DECATUR-Lightning is an underrated danger that can cost homeowners thousands in damages In fact, Illinois is the fifth state in the nation for insurance claims resulting from lightning strikes. Most lightning claims were surge or power related. State Farm last year paid more then seven million in lightning claims in Illinois. In recent years strikes cost nearly a billion in insured losses across the country. When the number of electronics goes up in a household, so does the risk. State Farm Agent Al Schelling says a surge protector for your whole house, or for your individual electronics can help. He also recommends unplugging electronics you're not using. And he says you can have a lightning protection systems like a lightning rod.