A question about lightning

Hey everyone!

I'm researching a story and I have a question that I can't find the answer to. Does a modern metal hull ship have anything to fear from even a bad lighting storm at sea? What I can find suggests no real problems. The metal hull and purposely designed systems channel the lightning away into the sea just as a lightning rod protects a house by grounding it. Even wooden ships had systems to protect them as early as the mid 1800's.

Perhaps if someone was standing right at the strike site, yes they would be endangered, but since lightning usual strikes the highest point, they would have to be aware of the danger.

Does this sound right?

Hugs!

Grover