The effects of surge arresters for the protection of transmission systems against direct lightning strokes have already been reviewed by many researchers. However, their studies have not encompassed underground cable systems. Therefore, in this paper we investigate the 22.9kV combined distribution systems that have arresters and ground wires. In addition, we analyze the overvoltages on underground distribution cable sections when direct lightning strokes contact the overhead ground wire using EMTP. Finally, we discuss the effect of lightning strokes according to the change of cable length and installation of arresters. This study provides insulation coordination methods for reasonable system design in 22.9kV underground distribution cable systems.