If they insist, let them know just how expensive it would be and that it would be their financial responsibility to repair if damage is done. 

I think as far as damage goes, it's 100% on the owner-- regardless of size.     

Sorry to hear about your troubles obviously it is more of a mental health issue going on. this is why many leases call for the tenant to be responsible for the first $100 or so in damages In this case I do not think that would help stop responding to the text and explain that you must communicate through written means Hopefully she will move or slow down the barrage of requests

Also if they pose a real not hypothetical risk of harm or damage.

But apperently this is a difficult question to answer in your state: Entry Allowed with Notice for Showings: No statuteRequired Notice before Entry: No statuteNotice of Date/Time of Move-Out Inspection: Notice not required, but landlord must complete the move-out checklist at the end of the tenancy and list all damages claimed to have been caused by the tenant. (§§ 554.608)https://www.landlordology.com/michigan-landlord-tenant-laws/

Depends on your local laws and your lease, but in many places you CAN charge a tenant for all of the rent payments throughout the remainder of their lease terms.Some states require you to mitigate your damages (attempt to re-rent).

Thankfully the basement is unfinished and the large quantity of water that came in did not cause damage.

Mine do not make demands and do not cause trouble or damage for the most part.

Some renter's insurance can cover accidents (bath tub overflow damage) and medical/legal (injury or lawsuit)Renter's insurance is typically less than $200/yr. 

In bigger cities I know the city will cover damages caused by their police department.