Just to be sure, you mean people in the UK don´t have things like grounded lightning rods on the roof?
Correct.
As Nigel says, it is only tall buildings which have lighting rods, lightning in the UK is not frequent or intense.
I once stayed at a hotel in Italy, on the Adriatic coast, where the ridges and corners of the roof were fitted with thick copper strip (25mm x 6mm).
Most nights while I was there, there were some quite intense thunderstorms and the lighting strikes were not far away.
The most intense lightning/thunderstorm I have seen was in southern Germany last year, the storm was mostly over the Bodensee (Lake Constance in English), it seemed to originate a bit further south over the mountains of Switzerland.
The storm seemed to last an hour or more, with lightning strikes every few seconds.
Getting back to the original topic...
If your house is struck by lightning, expect everything electrical to be damaged or destroyed. If it is not damaged, that is just good luck.
When I worked radio/TV, my towers got hit many times. (hit many time some days) The transmitters were designed to turn off and right back on.
And I guess that there was no damage, because everything was designed and built to withstand the high currents involved.
Everything well bonded and earthed with short thick connections.
JimB