I'm going to look into that lightning rod thing Denny..
Lightning seeks earth ground. Lightning can use an electrically conductive material (ie wood) to obtain earth. Or it can use appliances as a connection to earth. A lightning rod is about protecting the building. A 'whole house' protector is about protecting appliances.
Ben Franklin demonstrated the concept in 1752. 20,000 amps must connect to earth. So it used a conductive wooden church steeple to make that connection. But wood is not a very conductive material. So 20,000 amps also creates a high voltage. 20,000 amps times a high voltage is high energy. Steeple damaged.
Franklin simply connected 20,000 amps on a conductive (non-destructive) path to earth. A lightning rod does not do the protection. Earth ground rod and a connection to the lightning rod does protection. 20,000 amps through that conductive wire is near zero voltage. 20,000 amps times near zero voltage is near zero energy. Nothing damaged. Energy harmlessly absorbed in earth.
Do same for wires down the street that connect lightning to your appliances. That means one 'whole house' protector at the breaker box. And a low impedance (ie 'less than 10 foot') connection to single point earth ground. An effective 'whole house' protector starts at 50,000 amps. Costs about $1 per protected appliance. Then nobody knows a surge existed; was connected short to earth. Even the protector is undamaged.
Surges occur without warning. And when nobody is home, awake, or available. The only reliable protection means earthing hundreds of thousands of joules before it can enter a house. These are your only options. 1) Earth that energy harmlessly outside. Or 2) that energy is inside hunting for earth destructively via appliances. Do you unplug the dishwasher, stove, refrigerator, clocks, furnace, dimmer switches, and smoke detectors? Of course not. Disconnecting is futile.
Either energy dissipates harmlessly outside - the well proven 'whole house' solution. Or you have no effective protection. Informed consumers upgrade the earthing. That is critically important. Then use all appliances without concern even during thunderstorms.
Your telco disconnects phone service all over town when thunderstorms approach? Their $multi-million switching computer is connected to all other building via overhead wires. Suffers about 100 surges with each storm. How often is your town without phone service four days after a storm? Never? Because telcos all over the world earth 'whole house' protectors. The solution is that well proven and that effective.
Every wire inside every incoming cable must be earthed. Either directly (cable TV, satellite dish). Or via a 'whole house' protector (telephone, AC electric). Did you know cable TV and telephones already have that protection as required by codes and Federal regulations?
A direct lightning strike to wires down the street is a direct strike to every appliance. Damaged are appliances that make a better connection to earth. Damage that does not happen when energy is earthed BEFORE entering a building. A properly earthed 'whole house' protector protects all appliances just like a lightning rod protects the building. By connecting destructive surges harmlessly to earth.
Protection is always about where energy dissipates. A protector or lightning rod is only as effective as its earth ground.