Nothing like lightning to spark conversation among paddlers. But, ya, go indoors. The only safe place in lightning is within a solid structure.
I never understood the urgency of paddling mates to get off the water in lightning. Emotionally, I understand it. The few times I got stuck on the water during lightning were really scary, and I badly wanted to be somewhere else. But logically, where were they going that was safer? Huddled along the shore under trees. I didn't think that was safer. One group rushed back to our launch point and gathered around a picnic table that was sheltered by a canvas awning suspended from a galvanized pipe structure, under a huge tree. Not safer. Scary as it is, out on the water you are a very small target on a really big background.
An
article from the San Diego kayak club provided one reason it's better to be on land. The dangerous shock area on land is smaller than on water. It seems like a direct hit would fry you, but many are injured by electricity that is radiated around the strike. That shock area is smaller on land.
When paddling, look around at all the things that are in the water. These include trees, duck blinds, navigation markers, pilings, fish pens, and so on. These things stay out on the water in every thunderstorm, and they are still there. Except, of course, the ones that did get hit and we don't see anymore. So, ya, low risk, high consequence. I second PacketFlrend. When thunder roars, go indoors!
When all else fails, try the "Lieutenant Dan" method: shake your fist at the sky and yell "is that all you got!"