Re: At home
I work at a school. I had been explaining the reasons behind having fibre between buildings, even if they were small local runs of only a few feet, especially if the electrical phases between those buildings could be different (now or in the future!). Pretty much, everyone ignored me because the cabling had been in place for years and they didn't see it was worth changing it.
One night, a *huge* tree that is on the site was hit by lightning. It coursed down the tree, found some aerial cables including the cable that ran between a wooden maintenance shed and a permanent building... blew the telephone in the shed into smithereens. The other way, it entered the building and damaged a 48-port switch (which I still have to this day... the middle 24 ports are absolutely dead, and some of the others won't give PoE but everything else works, including the cloud management... we swapped it out and it's now our "test bench" switch).
From the building, it also managed to find some random and exotic bits of hardware, another telephone line that went through the air to some staff accommodation a hundred metres away, blew that up, took out a DSL router and a computer connected to it (not just the PSU, but the whole machine).
However, that same switch also ran a fibre back to the next building where several dozen machines and other critical pieces of equipment were all copper-cabled, not to mention several dozen phone lines, connected to all kinds of electrical equipment, all underneath where the boarding pupils lived. Not a dicky-bird, because the power couldn't get down the fibre. Everything else just stayed up. Fortunately, that building was only fibre all the way out to any other building.
And, again fortunately, I had the sense to run not just fibre between buildings, but also fibre between distant buildings (so if A is connected to B is connected to C, via fibre and switches at each, then I also connected A directly to C with more fibre so that when B was offline A and C could still talk). And then also connecting C to D and D back to A so that STP could do its job and provide a redundant route.
Basically, the fried equipment was more than enough to potentially start a fire in three separate buildings, but luckily didn't. The network just saw a switch go partly offline and routed around everything else. And from then on, every connection that went through open-air or the ground was changed for fibre.