what do you do with tenants if...

[Luke H.]

I live and have rental property in Houston, Texas.  It floods in different parts of the city.  I'm curious to know/learn what my responsibilities are to my tenants if my rental house is flooded or in general becomes unlivable for any reason.  This is a topic that is new to me so be kind :)

1) I don't have anything written in my lease to address this. Should I?
2) I do have property insurance for my properties, but I'm wondering what happens when there is an event?

3) Is there a difference if it is a natural disaster versus a man made issue in the home?

Thank you!