Got hit 10 years ago.
I was out sailing in storm when: 1st bolt to the left; 2nd bolt to the right; 3rd one right on target. Get this: I was steering an outboard with a throttle extension. Right before the strike, my right hand feels like I put it in a light socket and I throw the extension out of my hand. Loud boom, big flash, and I *WATCHED* the blackened remnants of my VHF antenna bounce down the side decks. VHF, stereo, depth sounder, knot meter, most electrical wiring, all wires in the mast, every lightbulb filament, and the fuse panel were destroyed. The depth sounder transducer was blown up so I had a 2 inch hole blowing water into the boat. Motor didn't even stall.Later, I discovered a pinky size hole at the waterline, near the end of my whisker pole. I also discovered the rear stay chain (you know, the stay that runs just above your head when you're steering) had all the fiberglass blown off of the chainplate so it was hanging loose.Tip #1: Check your chainplates inside and out.Tip #2: There is nothing that cannot be fixed with 3M 5200.Tip #3: People who tell you that lightning follows wires are blowing smoke. One could even argue a low impedance path hung nice and high in the boatyard is an excellent way to provide the most attractive path for lightning to pick. Of course ground and bonding does help with electrolysis. Charge dissipators can work. You'll see them on the top of any tall building.