Dina Lohan's Neighborhood Hit Hard By Hurricane Sandy

TMZ has obtained a photo of the havoc Sandy wreaked on Dina's NY neighborhood Tuesday -- showing 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.