Cabinet approved (15 Sep) a household flood policy covering over 30 million households, budget 15.5 billion baht. From 1 Oct 2026 insurers pay: 10,000 baht within 7 days of a province declaring a flood zone, then loss-based payouts up to 90,000 baht per household after water recedes. Government budget covers floods until 30 Sep 2026. For a Thai SME owner: check whether your home or shophouse is covered, keep photos and records of damage, and note that agricultural land falls under the Agriculture Ministry's separate scheme. Flood-season claims after 1 Oct go to insurers, not government.