answer:Interesting question.. From “Basically lightning stays more on the surface of the water rather than penetrating it. That’s because water is a reasonably good conductor, and a good conductor keeps most of the current on the surface.” So, when lightning hits the water, the current zips across the surface in all directions. And if you’re swimming anywhere in the vicinity, it’ll probably hit you. But below the surface, most of the electricity is instantly neutralized. So the fish are generally spared. Of course, if the fish happen to be surfacing, they’re at risk just like you are. And Dr. MacGorman adds that some electricity does penetrate the water, right at the strike point.”