jahonen is correct and not only because he is a fellow countryman
Against a surge from direct lightning strike the best protection is fervent prayer. The next best solution is a well laid out grounding system that bounces the whole installation more or less along the same potential, while minimizing differences in live and neutral wiring to prevent flashovers and dead gadgets. Achieving this is no mean trick and i guess the majority of installations will fare badly if ever put to the test. The key item is solid grounding of all projections such as antennas etc on the roof. All roof furniture must be hard interconnected and grounded using large gauge copper, preferably employing the Ufer layout. This will have a descending conductor at each corner of the house, bonded to the foundation rebar and additionally to a heavy gauge copper electrode completely circling the building at sufficient depth to guarantee reasonable conduction to the ambient. A single rod kicked half-ass into ground somewhere is a joke best forgotten in this context.
Against conducted surges from grid entry to premises, the standard solution is a coordinated protection scheme. Also this scheme builds on solid grounding being available at each barrier point.
The first stage is the heavy protection provided by arc electrodes and/or gas discharge tubes from incoming conductors to actual ground (depending on the system used, this can be a PE wire as well). These arrestors are always outside the building, either at the transformer pole or the entry panel.
The medium protector is usually a relatively heavy set of MOVs in the main distribution panel inside the house. For proper coordination a minimum inductance is required between the heavy and medium stages; this is usually sufficiently provided by the cable connecting the 2, unless it is very short. The medium protectors also need a solid ground directly from actual earth or the main entry or both. Many mfgs provide ready made units to fit the system in use at a particular location.
After that is is up to the fine protectors, of which more and less professional implementations are available. Mine are installed into the distribution panels protecting individual wiring groups, but you also get them integrated into extension cords or as wall plugins or whatever. During a lightning strike it is anybody's guess how the voltages will behave at each point of the wiring, but as a whole these devices hardly make it worse.
The Ufer grounding system AFAIK was developed to protect high risk premises the common lightning bait such as transmission towers etc. When done right it can actually prevent destruction of equipment, but whether it will prevent a fire hazard in a typical house is another thing. Anyway, mine is so constructed and i have had zero damage from overvoltages (well, one PIR did blow a fuse some years ago in a severe thunderstorm, but then they are known to be prone). And we do get a lot of surges from the air transmission lines in this rural area.