In a flash: Tips to protect your home from lightning

In 2023, a total of 242 million lightning flashes occurred in the United States, according to the 2023 Annual Lightning Report by Vaisala Xweather. State Farm paid out nearly $230M for over 18,000 lightning-related claims in 2023, average just over $18,000 per claim. 

A natural phenomenon, lightning can cause extensive damage to ecosystems, property, and sometimes lead to death. Knowing and managing the risks associated with lightning can help protect your family and property.

Lightning Safety Tips:

If lightning is common in your area, familiarize yourself with ways to reduce risk before and during a lightning storm. For example:

• Go indoors at the first sign of a storm.
• Avoid touching electronics or anything with a cord, such as your hair dryer.
• Stay away from water sources, including pipes, sinks and showers.
• Do not stand or lean on concrete structures. Metal bars inside the concrete can conduct electricity.
• Seek shelter in a hard-top vehicle if you're stuck outside. Also avoid sitting inside convertible cars, golf carts and motorcycles.
• If swimming or boating when lightning is present, get out of the water and onto dry land.
• Do not touch metal surfaces, such as a sliding door.
• Avoid touching anything served by gas lines, such as water heaters, ovens, furnaces and fireplaces.
• If you're outside and shelter isn't available, crouch down at least 100 feet from tall objects, tuck your head in and cover your ears.
• If someone has been struck by lightning, call 911 or your local ambulance service immediately. If you are qualified, give the person first aid. Lightning victims are safe to touch and need medical attention right away.

Invest in lightning protection

Your best bet for stopping lightning damage in its tracks may be a lightning protection system tailored specifically to your home's architecture. Such a system creates a pathway for lightning bolts, guiding them safely into the ground.

Install lightning surge protection devices

Lightning strikes on or near a power line or utility service are a frequent cause of power surges. Point-of-use surge protection devices (SPDs), combined with a good grounding system, should protect your electronic and electrical appliances from most electrical surges. An SPD does not suppress or arrest a surge; it actually diverts the surge to the ground.

Service entrance SPDs provide protection for your entire electrical system and are usually installed at the electrical panel(s) or at the base of the service meter. These devices help prevent the entrance of overvoltages, which can cause a fire. Surge protection devices are typically installed in conjunction with a lightning protection system.

Lightning Insurance

While there isn't a policy for lightning alone, your homeowners, condo, or renters’ policy can help get you get you back on your feet if lightning does strike. You can also contact your insurance agent if you have coverage questions about damage due to lightning.