My case was similar to Jakes. Big bolt provided me with lots of poplar bowl blanks and a ton of splinters when it hit a tree about 50 yards from the house 2 years ago. For weeks I was finding stuff damaged. Four vcrs, 2 tvs, 1 clock radio, 2 stereos, 1 cable tv converter box, electronic control on gas oven, transformer for landscape lights, 1 microwave in shop for bowl drying, 2 shop battery chargers (I'm sure I'm leaving something out). It hit early on Sunday morning. The clock radio was the only thing actually running at the time. I suppose it was a good thing that I didn't own a VFD lathe at the time.
I've spent a long time in electrical engineering. Proper grounding does help tremendously. There are surge protection devices that you can hook up to your incoming power that will help also. But the facts are these:
1.Lightning comes in extremely high voltages, hundreds of thousands of volts are not uncommon.
2.All electricity simply wants to find the shortest and least resistive path to ground.
3.Copper grounding conductors generally provide the path of least resistance. Hence the advantage of proper grounding.
4. (most important) Lightning, at its high voltage levels, simply don't know how to play by the rules.
I've had a shop for 30 plus years, and, to my knowledge had never lost a thing to lighning in the shop or the house until two years ago. Like Deitrich, I've had lightning popping all around me all my life.
Bottom line: You may never have any problem whatsoever. Or, you may get burned tonight. Why not get a little excersize bending over and unplugging.
As for turning breakers off: In a household lighting panel which has 250 volt insulation ratings, if you get surges of a few thousand volts from lightning, The electricity can arc all over the panel, from breaker to breaker (which are separated by only 1" in most cases). Therfore, opening (turning off) a breaker is not as good as unplugging the sensitive electronic device. Turning the breaker off might keep the voltage surge from arcing in the wiring inside the wall or in a receptacle which could start a fire.
Didn't mean to get so verbose. But personal experience has taught me how it feels when you do have a problem. And, insurance never covers it all. 🙂