In 2023, the United States experienced a total of 242 million lightning flashes, as reported by the 2023 Annual Lightning Report by Vaisala Xweather. State Farm paid out nearly $230 million for over 18,000 lightning-related claims in the same year, averaging just over $18,000 per claim.

Lightning is a natural phenomenon that can cause extensive damage to ecosystems and property and sometimes lead to fatalities. Understanding and managing the risks associated with lightning can help protect both families and properties.

### Lightning Safety Tips

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

- Go indoors at the first sign of a storm.

- Avoid touching electronics or anything with a cord.

- Stay away from water sources, including pipes, sinks, and showers.

- Do not stand or lean on concrete structures due to metal bars inside that can conduct electricity.

- Seek shelter in a hard-top vehicle if outside; avoid convertibles, golf carts, and motorcycles.

- Exit water immediately if swimming or boating when lightning is present.

- Avoid touching metal surfaces like sliding doors.

- Steer clear of anything connected to gas lines such as water heaters and ovens.

- If outside without shelter, crouch down at least 100 feet from tall objects.

In case someone has been struck by lightning, call emergency services immediately. Provide first aid if qualified; victims are safe to touch and require immediate medical attention.

### Invest in Lightning Protection

A tailored lightning protection system for your home’s architecture can create a pathway for bolts to safely reach the ground.

### Install Lightning Surge Protection Devices

Lightning strikes near power lines often cause power surges. Point-of-use surge protection devices (SPDs), combined with good grounding systems, protect electronic appliances from most electrical surges by diverting them to the ground. Service entrance SPDs provide overall protection for electrical systems and prevent overvoltages that could start fires. These devices are typically installed alongside lightning protection systems.

### Lightning Insurance

While there isn't specific insurance for lightning alone, homeowners', condo, or renters’ policies generally cover damage caused by lightning strikes. Contact your insurance agent for coverage details related to lightning damage.

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