Dina Lohan's Neighborhood -- Ravaged By Hurricane Sandy

Karma's a windy, rainy bitch -- just two days after Lindsay Lohan tweeted a message minimizing Hurricane Sandy ... the tropical storm ripped through her mother's Long Island neighborhood, leaving behind a trail of destruction.

TMZ has obtained a photo of the havoc Sandy wreaked on Dina's NY neighborhood Tuesday -- showing freakin' BOATS the storm dumped on people's lawns.

It's pretty ironic, considering Lindsay's tweet on Sunday about Hurricane "Sally" -- when she wrote, "WHY is everyone in SUCH a panic about hurricane (i'm calling it Sally)..? Stop projecting negativity!"

Turns out people were panicking for a reason -- in fact, Dina tells TMZ, a tree was uprooted on her own property and ripped a gash through her roof on its way down ... before landing over the family pool.

Dina says she was at home with her kids Cody and Ali when the storm hit. Lindsay and Michael Jr. were stranded in Manhattan because of bridge and tunnel closures, but are expected home shortly.