The "person" who told me no flood insurance did finally reply. It was a weak reply, he indicated you had to ask for it I guess as a rider of some sort. So perhaps fondles and the others were correct, it is available if you ask for and pay for it. I asked another lady today about coverage in rental property such as a massage shop on Soi Bouikow. She said she doubted the beds would be covered but if so, "they don't pay" claims. In addition, you can get flood insurance on your vehicle according to her.