Mary-
Last time I was out in that situation I decided the safest thing to do was pull the boat (my Taipan) over on it's side - leaving the beams ~7 feet in the air but well "grounded" in the water while I swam alongside the boat on the hull (opposite the mast side) side until the lightning passed then righted the boat. This just made sense to me at the time

but I would like to hear what more knowledgeable people think of that idea (obviously it worked that time

).
Kirt