# Preparing for Climate-Related Losses

- Link: https://www.thailand-business-news.com/environment/303307-preparing-for-climate-related-losses
- Published: 2026-05-17T07:05:14+07:00
- Author: Thailand Development Research Institute

The floods that submerged Hat Yai were not just another natural disaster. They were
warning. Climate change is now hitting harder and faster than Thailand can keep 
up with. 

The challenges ahead are manifold. The country definitely must strengthen measures
to mitigate and adapt to the more frequent and more ferocious weather brought by
global warming. Equally important, however, is the need to address the loss and 
damage wrought by the climate crisis. 

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The recent flooding in southern Thailand, particularly in Hat Yai district of Songkhla
province, made that painfully clear. The scale and intensity of the rainfalls and
the speed of the deluge overwhelmed routine disaster management capacity. As global
warming brings ever more violent weather, the devastation simply cannot be prevented,
and the environmental damage often cannot be restored or repaired. 

Thailand is not alone. Countries around the world are facing similar risks. As climate
impacts intensify, “Loss and Damage” — the harm caused by climate change that cannot
be prevented or fully repaired, including the aftermath of natural disasters — has
become a central issue in global negotiations. It featured prominently at the recent
COP30 meeting, the annual UN climate summit where governments negotiate global climate
action. 

In international forums, small island states such as Vanuatu and Tuvalu have long
pushed this issue. For them, “Loss and Damage” is a matter of climate justice. They
contribute little to global emissions, yet face existential threats. Developed countries
acknowledge the principle. But many remain cautious due to the resulting financial
liability. 

COP30, however, marked an important step forward. Negotiations on the Fund for Responding
to Loss and Damage (FRLD) have advanced, with an initial allocation of more than
US$250 million to support developing countries in submitting funding proposals. 

Many developing countries are moving quickly. Bangladesh, Nepal and several African
nations have begun integrating Loss and Damage into their National Adaptation Plans(
NAPs) and Nationally Determined Contributions (NDCs). By embedding the issue in 
national frameworks, they strengthen their case for accessing global support. 

Thailand has yet to do so clearly. True, its first Biennial Transparency Report (
BTR1) — Thailand’s regular report to the UN on what it is doing about climate change
and how it is being affected — contains information on disaster-related damage. 
But it does not clearly categorise or systematically assess Loss and Damage in a
way that can guide policy or connect effectively with international funding. 

### This gap matters. 

Thailand already collects disaster damage data across multiple agencies. Yet the
information is not developed in a systematic way. There is limited follow-up after
recovery. Losses are not clearly classified. Data is not fully linked to resource
mobilisation or national reporting systems. 

Even where post-disaster damage assessment tools exist, their use remains limited.
They are not yet structured in a way that strengthens Thailand’s ability to seek
support from relevant international mechanisms. 

The floods in Hat Yai also revealed something else. Losses are not confined to economic
costs or damaged property. They reach into daily life. Access to basic public services
became difficult. People’s livelihoods were suddenly shaken. Physical and mental
health suffered. Living conditions deteriorated. 

There were ecological consequences too. Large volumes of freshwater flowed into 
the sea, potentially affecting coastal ecosystems and, over time, the income security
of communities that depend on them. 

These dimensions are not always captured in traditional assessments. When Loss and
Damage is measured narrowly, critical realities fall through the cracks. 

Thailand, therefore, needs a more comprehensive system for assessing and managing
Loss and Damage. 

It must pay attention to local contexts and vulnerabilities, not rely solely on 
aggregate figures. 

Thailand may not be among the highest-priority countries for accessing the FRLD 
fund. Yet it qualifies to apply. If it can present clear impact data and well-designed
projects aligned with the criteria set by the UNFCCC (United Nations Framework Convention
on Climate Change) and the FRLD Board, support is within reach. 

### But eligibility is not readiness. 

Thailand must urgently improve its impact assessment tools. Data systems must be
strengthened. Project pipelines must be prepared to connect with international funding.

At the same time, insurance systems and disaster risk management mechanisms need
to be accelerated. These instruments are essential for managing Loss and Damage —
both in prevention and in recovery — particularly in the immediate aftermath of 
disasters, when needs are most acute. 

A national Loss and Damage database is not a bureaucratic luxury. It is core infrastructure.
It would allow Thailand to design financial instruments with appropriate risk layering,
tailored to national circumstances. Building such a system requires coordination
across agencies, with a clear purpose: to ensure that data serves policy planning,
risk management and long-term climate resilience. 

To move forward, To move forward, Thailand must first define Loss and Damage clearly
within its national context and integrate it systematically into national plans.
Structural readiness must be strengthened. Assessment tools must be able to classify
different types of losses properly. 

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A unified data management framework is also essential. Post-disaster assessments,
recovery monitoring and national reporting systems should be connected and standardised.
This would enable data to inform policy, guide risk management and support access
to international finance. 

Institutional capacity matters as well. The Department of Climate Change and Environment
and the Department of Disaster Prevention and Mitigation should be empowered to 
work closely together. Thailand should also use its position within ASEAN to enhance
regional cooperation — linking with the FRLD under the UNFCCC framework and with
regional insurance instruments such as SEADRIF (Southeast Asia Disaster Risk Insurance
Facility.) 

Financial mechanisms for disaster risk management — including insurance and preventive
financial tools — must be positioned within a coherent system, not treated as isolated
measures. 

And non-economic losses must be addressed seriously. Impacts on mental health, ways
of life and community identity are not intangible extras. They shape how communities
endure, recover and adapt. Recognising them makes policy more grounded in lived 
reality. 

Disasters are becoming more frequent. More severe. If Thailand does not prepare 
now, it may find that access to funding and assistance comes too late. 

Thailand must invest in its own readiness. That means strengthening institutions,
building reliable databases and developing the capacity to present clear evidence
of impacts. Without this groundwork, the country cannot effectively claim or access
the financial support and mechanisms available, both domestically and internationally.

The climate shocks will hit Thailand again. The real question is whether Thailand
will be ready — not only to confront what cannot be prevented, but to secure the
tools and resources it needs to endure an era of climate upheaval. 

Chayapat Patarapanchai is a researchers at the Thailand Development and Research
Institute (TDRI). Their policy analyses appear in the Bangkok Post on 22 April 2026

[Read More ](https://tdri.or.th/en/2026/04/building-readiness-for-climate-loss/?rand=86529)