Natural disasters are events like a flood, windstorm or tornado. If you have a lease read it. It will likely say what happens if your rental property is damaged or destroyed by a natural disaster.
If you don’t have a written lease and your rental unit is damaged or destroyed by a natural disaster, your landlord is responsible for making repairs to the property. Under West Virginia Code § 37-6-28, if your rental unit is totally or partially destroyed by a natural disaster then you may be able to (1) temporarily reduce your rent until the unit is repaired, (2) end your lease if the unit is not repaired after a reasonable time, or (3) sue your landlord for failure to reduce rent while the unit is damaged or not repaired.
Also, under West Virginia Code § 37-6-30, your landlord has a duty to provide you with a rental unit in “fit and habitable condition.” This means that a person must be able to live in the rental unit with things like electricity, heat, running water, working bathrooms, etc.
Damages and destruction to the rental unit must not be caused by something that you did or did not do. You must tell your landlord immediately of any damages caused by the natural disaster. You should send a letter and make a copy. The landlord then has a reasonable amount of time to make repairs.