And the odds are actually 1 in 1.083 million in any given year, according the National Weather Service. Sounds like a long shot, but in an 80-year life span those odds increase to 1 in 13,500, which seems more probable. You are just asking for trouble if you spend that lifetime on the water because 34 percent of those struck by lightning are engaged in water-related activities, like boating and fishing, as compared to relatively safe sports, like golf (14 percent). If you spend a lifetime on the water in Florida, good luck getting life insurance. The “Sunshine” State records more lightning strikes than any other — 20.8 per square mile annually — and more fatalities — 54 since 2007 and counting. That makes me feel pretty safe in Wisconsin — eight deaths since 2007 — and willing to visit Tennessee, where only two lightning fatalities have occurred in that same period.