Yeah - the telco lines matter, too.

At our farm house in the mountains, we had lightning come in over the phone line some years ago. It melted the NID, fried the cordless phone and base, and blew the phone's wall-wart apart - sending the plastic cover across the room. The surge protector died in reverse. Fortunately, the circuit breaker stopped it there.

The house itself has several lightning rods, and fortunately no direct hits that I'm aware of.