If you're worried about a power surge strong enough to arc across an open circuit breaker, you're pretty much worried about a lightning strike. It could theoretically also happen in the case of a catastrophic failure of the delivery transformer, which would send several thousand volts' potential into your service panel. Transformers are designed with many fail-safes to prevent this, but who knows...
To guard against those cases, I would recommend a "whole-house surge protector", like this one. It goes between the main breaker and the panel switches, and works like an industrial-strength surge protector strip covering all the circuits in the house. The first stage when a surge happens is to absorb the charge into a capacitor bank, which will then release the charge safely over time. If the capacitors overload, circuitry in the surge protector itself will safely fail open. When that happens you will lose power as if the circuit breakers tripped, but unlike a normal breaker, the surge suppressor has a staggering 50kA "breaking capacity"; 10 times anything you're looking at for circuit breakers.
These are actually a pretty good idea in general; they don't replace the everyday surge protector strips for delicate electronics like your TV, computer, etc, but think of your microwave, stove, refrigerator, HVAC, etc. Those can blow out from a strong surge too, and if they do you could be out thousands of dollars to replace them.