Cookie,
if I may ask, how do you know it was a surge - or perhaps a less ignorant sounding question: Exactly what happened, if you had a look inside your equipment? Was there any defineable occurrence, such as a lightning strike (not the right time of the year in most places, unless you are from abroad)?
I also live in an area where dayly thunderstorms exist in summer (Pretoria) and once had a newly bought fan reduced to little pellets of copper by the such, but thus far my equipment has survived (touch plastic, as they say these days ...) coutesy of a moderate surge protector. Yes, powerfull surges can blow the best surge protectors, depending on the surge characteristics, but that should be the (high) exception.