In the event of a ground fault in the building the majority of the ground current never sees the ground grid. It flows through the grounding conductors to the neutral bonding jumper and back to the source through the neutral.
There are several ways that the ground grid can become energized.
In the case of an open neutral the neutral current returns to the distribution transformer through the ground rods and/or grid and the distributed multiple earthing of the utilities neutral conductor.
In the case of an open neutral and a missing phase, the neutral current returning through ground can be about the same as the current drawn by the remaining single-phase loads.
In the case of two missing phases, the neutral current returning through ground will equal the phase current.
Continuous ground currents tend to warm and dry the ground and raise the resistance. The higher the ground resistance, the greater the touch or step potential at a given current level.
Another way the ground grid can become energized is if a vehicle hits a power pole and a primary conductor drops onto the neutral.
Most of these things never happen in the life of a building.
When they do happen, the duration is usually very short (except for the open neutral).
Summary;
Note: - In all cases the hazard increases directly as the current to ground increases.
1> For a fault inside the building the fault current should follow the grounding conductors and the bonding jumper to the neutral.
The hazard at the ground grid should be negligible.
2> With a missing neutral bonding jumper there would be a definite hazard in the event of a ground fault in the building. The hazard at the ground grid would range from considerable in the case of a single ground rod to negligible in the case of an extensive grounding system if only a small part of the ground grid is exposed.
3> Open neutral. The ground grid will be passing the neutral current.
The hazard will be proportional to the neutral current.
The hazard with a single ground rod will be fairly high.
The hazard will probably be negligible in the case of an extensive grounding system if only a small part of the ground grid is exposed.
4> Nearby lightning strikes. High voltage contact with the utility's neutral on the poles.
Hazard unknown, see "Act of God".
The actual risk is quite low, but there is an exremely small chance that there could be an incident.
The odds of a serious incident under item 4 may be something like The total number of seconds in the life of 100 buildings, each 85 year old, divided by a 5 second fault duration, and multiplied by the plate number of the car that hit the pole.
There is a very small chance of a problem but none of us will say that there is no problem.
It may be wise to call an electrician or engineer to verify that the ground to neutral bonding jumper is properly installed and in good order. A bad bonding jumper will be the most likely problem and the most likely to cause an incident.
respectfully
And I agree with all the previous posts.