January in Lake Ozark is the windiest and the coldest month of the year. In January, the weather in Lake Ozark is typically cold. Average daily high temperature in January is about 3 degrees above zero. On average, Lake Ozark has 14 partly cloudy, 12 sunny, 4 rainy, and 1 cloudy day in January. The rains are usually light. January as well as February, March, and December is considered the most uncomfortable time to visit Lake Ozark.