Btw, lightning generally will not melt a phone cable just because of a lightning strike. You can be zapped through a phone if you are talking on it when lightning hits near the lines. It is a pretty nasty jolt.
For the one who mentioned underground lines, in the US, most lines are above ground on poles still. These get hit quite often.
As I said, though, a decent surge protector will be enough to allow you to keep your computer and internet up and running. I wouldn't try it with a cheap $10 one, though.