In this paper, the lightning-generated electromagnetic fields over lossy ground produced by lightning strikes either to flat ground or to a tall tower are calculated using the 2-D finite-difference time-domain (FDTD) method. The resultant horizontal and vertical electric fields are used as forcing functions in the discretized Agrawal electromagnetic coupling equations for the calculation of induced voltages on overhead horizontal conductors without employing the Cooray–Rubinstein formula. Comparison of the results with those obtained using the 3-D FDTD method and with experimental data found in the literature is used to test the validity of the examined method. The approach employed here generally provides sufficient accuracy while allowing significant reduction in computation time and storage requirements as compared to the 3-D FDTD method. From the analysis carried out in this paper, induced voltages appear to be strongly dependent on ground conductivity, somewhat influenced by return-stroke speed, and essentially independent of return-stroke model [transmission-line (TL), modified transmission line with linear current decay with height (MTLL), or modified transmission line with exponential current decay with height (MTLE)].