David,
Sound like you are from the Tampa area as I am. The lightning capital of the US. When a big storm hits I unplug but sometimes I am actually out of the house so I am left somewhat unprotected. I just can't see unplugging my whole system every time I leave the house in the summer as we frequently have 2-3 storms every week. I will get the best surge protector I can and unplug whenever I know it is getting nasty but I have had computers for almost 20 years and this is the first time I have fried a modem. Not bad but of course it would have to be with a computer that doesn't allow you to replace it.
I looked at the available usb modems and find Apple with one at $50 and others for $38. I will probab;y go with the Apple unless someone knows of a good quality one for less that works all the time. I only use this for sending and getting the occassional fax. I use cable modem, and soon DSL, for internet.
Thanks for the advice......