Hold on guys...
I would strongly agree with Steve; since lightning discharges are not constant in magnitude in terms of current and voltage, it depends on factors that are different on every boat, tree, house, human, flagpole, etc.Russ, lightning is only static charge while current is not flowing (i.e. as long as there is no discharge). Once charge flow occurs (a strike), it's the same old garden variety "electricity" generated by your power company albeit raised several magnitudes. Due to physics, charge flow occurs primarily on the surface of a conductor, insulated or not. Insulation may help contain the charge flow on its path to ground (water). An uninsulated conductor would have many opportunities to "leak" charge to paths of lesser resistance. Steve describes another nasty side effect of lightning; the concussive shockwave. As lightning strikes, it literally burns the air in the leader channel. This creates a partial vacuum that is immediately filled in by the surrounding air and causes quite a bang (thunder). That concussive shockwave can deflect steel plates, knock siding off of houses, and blow chunks out of concrete.Calvin, the only thing I can tell you is that numerous boats have been hit with no injury to the occupants. If you're not touching the metal parts energized by the strike, you will probably fare okay. If you are, then we might not have this discussion afterwards.Mark KisselKittiwake/98H240