It may be chances of being struck by lightning are 1 in 400,000; but who are the 400,000? Are they people who are also out playing golf or riding bicycles during storms? Or, are they the general population, most of which are inside buildings or even hundreds of miles from the nearest storm? More meaningful would be statistics that give the chances of being struck among those who are also outside during a storm in similar circumstances. I would suspect the chances of being struck rise considerably when the sample is those who are likewise exposed to a thunderstorm.

Taking refuge under a tree is about the most dangerous thing one can do during a thunderstorm. The same goes for being near to a fence. Lightning can strike the fence some distance away and follow the fence to injure anyone near to the fence. Even being near a metal object is dangerous. The advice above to get away from your bike when caught in a storm is good advice.

People struck by lightning may survive (or not), but survivors often have adverse after effects from which they never fully recover.