So far, I've had two surge protectors fry. One was due to a power surge in the lines that was not lightning related. I'm lucky in that only the power strip, which happened to be plugged into the outlet closest to the fuse box, died. Other houses lost appliances. The owners were trying to get the electric company to pay for the replacements, but I don't know if they succeeded.
Nothing like walking into the house and smelling burned insulation.
I'm sure there is. Walking back to your bedroom and smelling smoke.
The worst part of the night the house got hit? Sis was at a friend's for a sleepover. Various local grandparents were all out of town. Parents were out to dinner for anniversary, and left their cell phone in the car. I literally could not communicate with anyone. Left a hasty note (which would have been useless had the house actually been on fire) and ran to the neighbor's house. We knew our neighbors well, and they managed to calm me down and keep me safe and warm until parents got home.
Then there was the storm where lightning hit the transformer nearby and knocked out the electronics in the car. Killed the car, meaning there was no more forward momentum. We got caught in a deep puddle that we would have been able to drive through with power.
Then there was the time I was driving south along the highway and lightning kept hitting street lights along the road I was on.
Then there was the time when a tree blocked my car down at an easily flooded area on a river during a thunderstorm and I had to move it by myself before driving back to a camp that was completely deserted.
People still don't believe me when I say that I have justification for being terrified of thunderstorms. The list above is only a partial list of my bad experiences. They still try to tell me it's all in my head, or what's the worst that could happen? I mean, it's only weather, right?