From 1 October 2026, the national disaster insurance scheme covers homes registered with the Interior Ministry against flood, storm and earthquake damage in declared disaster zones. Payouts run up to 100,000 baht per household: 10,000 baht initial for flood (5,000 for storm or quake), with the rest assessed on actual damage up to 90,000 baht. Death from a disaster accident pays 2,000,000 baht. Claims can be filed online at thaiNATCAT.org, via LINE @ThaiNATCAT, or by calling 02-012-5555, with ThaID verification and a PromptPay account. Insurers aim to pay within 15 days of receiving complete evidence. Furniture is not covered, so business owners whose shophouse structure is registered at home should check eligibility and document damage with photos now.