Cabinet approved a 15 billion baht programme in which the government buys group residential insurance for households nationwide, covering floods, windstorms and earthquakes. Maximum payout is 100,000 baht per household per incident (flood: 10,000 baht initial plus up to 90,000; wind/quake: 5,000 baht plus up to 95,000), with 2 million baht for disaster deaths. The first policy period runs Oct 1, 2026 to Oct 1, 2027. Homes flooded before Oct 1 are not eligible under the disaster fund. The policy covers the building and built-in fixtures only, not movable furniture, appliances or belongings, so owners of shophouses or rented premises should check eligibility and keep repair records. Initial payments are expected within 15 days of complete documents. Eligible areas must be officially declared disaster zones.