Korean Industrial Standards for lightning protection system complies with IEC standards. However, the standards are applicable only to buildings and structures more than 20 meters in high. Therefore, it is necessary to determine whether lightning protection system should be installed on structures lower than 20 meters high. This paper proposes an efficient method of assessing risk against lightning of structures lower than 20 meters high. The method suggests simplified lightning protection system and provides selecting an appropriate protection level. The suggested method assumes that structure under assessment has no lightning protection system and there is no person around the structure at the moment of lightning stroke. A simplified method of assessing the risk to human within the structure is developed by adopting the general assessment factor. The selection of a protection level is possible by comparing tolerable risk with physical damage risk caused by a direct lightning. Finally, this paper gives ways to establish surge protection measures when a structure with lightning risk is within a radius of 2km from the assessed structure even if this structure requires no lightning protection system.