HAZARD
Lightning
Lightning strikes can ignite fires, damage electrical systems, and harm occupants in open or elevated structures.
FEMA National Risk Index & Ready.gov (reviewed) · reviewed 2026-07-10
What raises the risk
- Open or isolated locations and tall buildings that attract lightning during thunderstorms.
- Frequency of thunderstorms in the region, which increases strike probability over time.
- Tall trees or metal objects near the home that can conduct electricity into structures.
How to prepare
- Install surge protection on key electronics and unplug devices during severe thunderstorms.
- Ensure your home has a grounded lightning protection system or roof grounding if strikes are very frequent.
- During thunderstorms, avoid use of landline phones, plumbing, and outdoor activity.
Insurance
Fire and surge damage from lightning are usually covered by standard homeowners policies. Confirm your policy covers both direct strikes and surge damage, and verify deductibles that may apply to lightning claims.
Where lightning risk rates highest
Covered US counties with the highest FEMA Lightning risk score (a national percentile):
- Harris County, TX100
- Miami-Dade County, FL100
- Broward County, FL100
- Palm Beach County, FL100
- Hillsborough County, FL100
- Honolulu County, HI100
- Lee County, FL100
- Pinellas County, FL100
General information, not insurance or financial advice. Risk varies by specific property — confirm your coverage and needs with a licensed professional.
