http://www.newton.dep.anl.gov/askasci/wea00/wea00006.htm
It doesn't matter whether your electrical service comes into your house through the ground
or via overhead lines. Lightning is good at penetrating the soil, especially
if wet, and going into the electrical service line. From there it enters the
house, blows right past the circuit breakers (circuit breakers do not protect
you from electrical surges from outside the house, whether on or off), and
goes through all of the electrical cable and fixtures in the house, often
starting a fire in furniture, carpet, or the walls. What you described fits
this pattern perfectly. This happened in exactly the same way to one of my
neighbors ten years ago, and their house burned some as a result. Of course,
as a lightning researcher and lightning protection system designer/inspector,
I spent some time in the house assessing what had happened - a rare opportunity.
As to how lightning occurs, a thunderstorm builds up large areas of positive and
negative electrical charge resulting from the friction of water droplets being
lifted and dropped in the cloud. Even though air is a good insulator, eventually
the charged areas become strong enough that a small stream of electrons (called
a leader migrate from a positively charged area towards a negatively charged
area.
Another leader comes from the negatively charged are to meet it. These ionize the
air enough to give a conductive path and and negative electrons flow to the
positively charged area to neutralize it. The flow of energy is so great that it
actually causes the air to explode in a pressure wave and the energy also produces
light. This is a lightning stroke, and can occur as a ground stroke or from one
area of the thunderstorm cloud to another. Most of the molecules in the air at
the site of the lightning stroke are blown apart by the huge amount of energy and
then recombine into other molecules and pure atoms. A thunderstorm cloud actually
has so much charge in it that it induces a buildup of charge on the ground under
it. If the area on or near the ground area is large enough and intense enough,
it becomes a preferred site for a lightning strike. Trees, chimneys, towers, etc.
are prime targets as they are tall and can provide some distance of path that
takes the place of the leader. They can also build up charge more easily,
especially if not grounded.