Underwriting Tornado Risk

Looking at parks in the Kansas area, having a hard time getting around the associated risk being in tornado prone areas. If a tornado wipes out a park, even if you have loss of income coverage, what happens at the end of that? You are just left with vacant land? If the homes are occupant owned, then you don’t get money to ‘rebuild’ - how do you bring residents back into the park if you aren’t buying homes / financing them? Do you lose your capital and turn the land over to the bank? Any insight would be greatly appreciated.