Wrapping your plants well and using plenty of straw is important in severe to very severe frosts!
Winter can arrive suddenly and unexpectedly. Make sure you’re prepared .. protect your garden bananas with leaves and stram from autumn onwards! I try to get the little shoots safely through the winter with straw insulation, so that there is a chance of flowering next year. If moderate frost I use bubble-wrap and as soon as the leaves are brown, I add a layer of tarpaulin.
In severe frosts also protect palms by firstly binding the leaves together in a kind of pointed hat, and then insulating with reed mats or a few layers of fleece cloth.
And then keep your fingers crossed …