Not too bad, just rural. We used to lose stuff every 10 years or so.

One day we got The Big One which fried nearly everything, and "once burned, twice shy."

>Admittedly: financial protection, not data protection

You should have data backups regardless, because there are plenty of ways to lose data that don't involve power surges.

Open aerial wiring can shortcircuit two phases, bringing a low impedance surge that can damage most electric and electronic equipment.

Areas with lots of thunderstorms. Also more rural areas with long power lines with few taps off for customers — the long runs are both exposed to many nearby strikes and accept induction well, and the few customers are fewer power sinks to dissipate the spike. So, you're more likely to get hit, and hit harder.