On the Water
The vast majority of lightning injuries and deaths on boats occur on
small boats with NO cabin. It is crucial to listen to the weather on a small aquatic vessel without a cabin. If thunderstorms are forecast, don't go out. If you are out on the water and skies are threatening, get back to land and find a safe building or vehicle. Boats with cabins offer a safer but not perfect environment. Safety is increased further if the boat has a properly installed lightning protection system. If you are inside the cabin, stay away from metal and all electrical components. STAY OFF THE RADIO UNLESS IT IS AN ABSOLUTE EMERGENCY!
What should you do if you are on a small vessel and lightning becomes a threat? If the vessel has an anchor, then you should properly anchor the boat then get as low as possible.
Large boats with cabins, especially those with lightning protection systems properly installed or metal marine vessels are relatively safe. Remember to stay inside the cabin and away from any metal surfaces.
Scuba Divers
If the boat you are in does not have a safe cabin to be in during lightning activity, then you are safer diving deep into the water for the duration of the storm or as long as possible. Your first choice is to head in and get in safe building or vehicle.