A number of years ago, when my son was an infant there was a severe thunder storm. My husband was asleep in his recliner with our son in his arms. All of a sudden, the lights got super bright and then went out. We smelled smoke. We ran out of the house into the storm and went to a neighbors to call the fire department.
When they got there, they went inside. Thank God a fire had not started, but our television, and our refrigerator were ruined. Also, every light that had been turned on was burned out.
A tree branch had knocked out the neutral line., whatever that is, and caused a power surge in the house.
NO you are not being over cautious. :thumbup: