From 1 Oct 2026 the state-funded "people's disaster insurance" covers flood, storm and earthquake damage to 30 million households. Covered: homes and shophouses where people actually live; the ground-floor shop counts if someone lives upstairs or behind it. Offices and empty homes are excluded, and furniture and electrical appliances are not covered. Condos: ground floor is covered normally; floors 2 and up only for flooding that surrounds the building for more than 7 days. Payouts need a declared disaster zone and real damage. First payment is immediate (10,000 baht for flood, 5,000 for storm/quake), capped at 100,000 baht per event. Claims cover only events from 1 Oct 2026 to 1 Oct 2027; earlier floods still go through the existing relief process. Claims can be filed online, paid within 15 days via PromptPay.