State Farm has joined forces with the Insurance Information Institute (Triple-I) to highlight the significance of lightning preparedness during National Lightning Awareness Week, scheduled for June 22-28, 2025. The collaboration aims to educate homeowners on the financial impact of lightning damage claims and methods to safeguard their properties.
Homeowners are advised to take several steps to protect against lightning damage. First, installing surge protectors, including a whole-house surge protector if feasible, can shield appliances and electronic equipment from electrical surges caused by lightning strikes. Second, adding a lightning protection system that includes components like lightning rods and grounding systems can help redirect strikes away from buildings, minimizing fire risks or structural harm. Finally, unplugging electronic devices during storms and seeking shelter at the lowest point in the home are recommended precautions.
The threat posed by lightning remains significant due to its potential to cause severe damage to electrical systems, appliances, and even building structures. This risk highlights the necessity for homeowners to be informed about potential dangers, invest in protective measures, and maintain readiness—especially in regions prone to frequent and damaging strikes.
After a storm passes, it is important for homeowners to check for signs of damage caused by lightning. These signs include charring at strike sites due to intense heat; burnt electrical switches resulting from power surges; and roof or wall damage that may lead to holes or compromise structural integrity. Reporting any such damage promptly allows homeowners to begin the repair and recovery process with their insurance providers.
Residents in states most affected by lightning should consider taking additional precautions. According to Triple-I’s national industry average based on State Farm claims data, the top ten states for lightning claims are Florida, Texas, California, Georgia, North Carolina, Louisiana, Alabama, New York, Pennsylvania, and Illinois.