I was in the garage once checking the oil in a car when a bolt of lightning hit a CB antenna on the hill behind the garage. The co-ax cable from the antenna crossed a conduit feeding power in the garage. The surge blew a hole in the co-ax insulation, arced through the conduit, went through the fuse box and blew all the lights out in the garage except for the trouble light in my hand. I guess I grounded it. It reduced me to a slobbering, shaking, crying idiot who couldn't put two words together for over an hour. Things haven't changed that much since.
Another time, we were doing a "tactical", sort of a wargame, in my CW reenacting unit on top of South Mountain on the PA/MD border when we were hit by a sudden thunderstorm complete with hail. Imagine about 200 men totin' muskets in the middle of this. As soon as we could, we hunkered down in the closest defile and laid our muskets down and sat apart from them as best we could. I had read of balls of lightning rolling along the tops of shouldered muskets before, so therefore you could say I along with some others were nervous Nellies. Our caution was our undoing because we fired off our loaded muskets before we grounded them. The yankee unit on the mountain did the same, but reloaded and attacked our position and overran it. We were being safe, but they were being idiots. Guess it pays off once in a while to be an idiot.