7 Tips for Staying Safe During Extreme Cold Weather

Ray Cogan
young boy wears scarf and hat on snowy day

Whether it’s an incoming polar vortex or just an extended cold snap, extreme cold temperatures can chill you to the bone. And as the thermometer outside continues to drop, it’s not just important to stay warm – you need to stay safe, too.

Having the right homeowners insurance and auto insurance can give you peace of mind. But so can knowing what to do when below-zero temperatures hit.

So follow these tips to ensure you and your family stay safe during the harsh winter weather.

Polar Vortex and Extreme Cold Safety Tips

  1. Only travel if you have to. In extreme cold, you shouldn’t travel unless it’s absolutely necessary. Staying inside will reduce your chance of getting frostbite or risking uncertain road conditions. If you do need to leave the house, be sure to brush up on best practices for winter driving safety . If you drive, make sure you have a flashlight with fresh batteries and a full tank of gas. Carry extra blankets, clothes and a well-stocked car emergency kit with food and water in case you get stuck or stranded. Taking public transportation? Keep moving around to stay warm at the stop while you wait.
  2. Dress warmly. If you have to leave the house, wear several layers of loose-fitting clothes. The air trapped between each sweater or coat can retain your body heat and help keep you warm. It also helps to wear clothing that’s made of wool, which can hold in more heat than an item made from cotton. A synthetic fabric like polypropylene can also wick moisture away and hold heat.
  3. Protect your extremities. Keep your earlobes, fingers, toes and the tip of your nose covered when you go outside. These areas have the highest risk for frostbite if they aren’t properly protected. To keep your fingers warmer, opt for mittens instead of gloves.
  4. Don’t push yourself too hard. There may be a lot of snow to move outside, but only shovel if you have to. That’s because vigorous exercise in cold weather can put extra strain on your heart. Make sure you follow your doctor’s advice on working outdoors, especially if you have high blood pressure or heart disease. Read more tips for how to safely shovel snow.
  5. Take it easy on ice. If you venture outside, watch out for ice – which can cause you (or others) to slip and fall. Rock salt loses its effectiveness below 10 degrees Fahrenheit, so use ice melt on surfaces like sidewalks, stairs and driveways. You can also spread sand on your walkways to provide a little more traction. If you’re on the move, go slow and take short steps or shuffle for stability. You can also try a slip-on winter traction device over your shoes.
  6. Know the signs of frozen pipes (and how to stop them). Your pipes are more susceptible to freezing and bursting in extreme cold. This can cause messy (and expensive) water damage to your home. To reduce the chance of damage, let cold water drip from your faucets and open the cabinets below your sinks. Add some extra protection by covering your pipes with insulation. Get more tips in this related story on preventing frozen pipes.
  7. Watch over babies, pets and the elderly. Babies have a harder time maintaining their body temperature than adults, so it’s best to keep them bundled up and away from extreme cold. It’s more difficult for the elderly to regulate their temperature, too. So check in with your older neighbors and family members to make sure they’re staying warm. And don’t forget about protecting your pets in these frigid temperatures .

Planning is smart. But just like the weather, life is rarely predictable. For whatever’s in store, Erie Insurance is with you on the journey. To learn how we can help protect you and your family, talk to your local ERIE agent .

pool party Lindquist Insurance
By Ray Cogan July 21, 2025
Before your next BBQ, road trip, or storm watch, give us a call. Our experienced insurance advisors will review your current coverage, answer your questions, and help you feel confident that no matter what summer brings, you’re ready for it. Call Lindquist Insurance today or visit our website to schedule a policy revie
family on vacation
By Ray Cogan July 11, 2025
Before your next adventure, make sure you’re fully protected with the right car insurance. At Lindquist Insurance, we’re committed to helping Maryland drivers enjoy the journey with confidence. Call Lindquist Insurance (301) 694-3008 or visit www.lindquisinsurance.com to request a free, no-obligation quote.
Annapolis MD waterfront
By Ray Cogan June 24, 2025
Connect with an insurance agent in Frederick this summer. Find out why now is the ideal time to reach out and build a relationship with a local insurance agent you can trust.
dock in Annapolis MD
By Ray Cogan June 10, 2025
We offer business insurance in Frederick. Prepare for seasonal risks with business insurance that provides financial protection when natural disasters strike.
employee taking inventory
By Ray Cogan May 26, 2025
Is your insurance company keeping up with your growth? Our Frederick insurance agency offers personal and proactive services that keep you focused on growth.
heavy rain hitting gutters
By Ray Cogan May 12, 2025
We offer business insurance in Frederick. Prepare for seasonal risks with business insurance that provides financial protection when natural disasters strike.
cars in heavy traffic
By Ray Cogan April 28, 2025
Switch car insurance in Frederick and the surrounding areas with the help of an insurance agent. It can be a smooth and stress-free experience with the right insurance agent.
young female driver
By Ray Cogan April 15, 2025
We offer car insurance in Frederick. We work with first-time drivers to find a policy that fits their needs and budget without sacrificing the coverage needed to drive confidently.
alarm clock and money - Lindquist Insurance
By Ray Cogan March 25, 2025
Our insurance agent in Frederick can save you time and money. We can navigate the complexities of insurance, ensuring you get the best coverage at the most affordable rates.
More Posts