Flooding is a recurring devastating catastrophe which has a devastating effect on the people of Malaysia. There are wide-ranging experiences of flood disasters: economic damages, ruined infrastructures, mental weariness and material losses. The worst affected by all these circumstances, but without any insurance cover, are generally women or children living in slum areas, the rural poor, or other members of society who can help themselves least. Though there may also now be different kinds of relief measures and assistance such as provision for food or clothing they have already done their utmost. In many flood-prone locations, additional assistance is critical to effectively mitigate the impact of these disasters. To strengthen the social safety net for disaster-affected underprivileged populations in a comprehensive way, it is important to build a comprehensive risk management system and a social finance instrument like the Zakat fund. Five participants were drawn from among flood victims who lived in Meru, Klang to participate in a focus group interview following a qualitative approach. The data from this study was analyzed using TA or thematic analysis. Also, content analysis has been launched on a number of documents and testimonial literature, so as to extract useful data and then to propose an overall model. Through a detailed analysis of relevant research and focus group interview, this study offers an alternative view on the effectiveness of micro-Takaful as a risk management tool. The motive for this model is to use the Zakat fund to assist the most vulnerable and needy by obtaining subscriptions from relevant stakeholders, thereby ensuring the continued well-being and resilience of these affected groups.