Answer:
I destroy your home from the inside out.
I can only be played on a windy day
I have no head and a tail I lack but I do have arms and legs and back; I inhabit the palace the tavern the cot 'tis a beggarly residence where I am not. If a monarch were present (I tell you no fable) I still should be placed at the head of the table.
I am gentle enough to soothe your skin, light enough to fly in the sky, strong enough to crack rocks. What am I?
small land in water.
In birth I spring forth, in life I unfold. In death I wilt and die, but rebirth restores all.