Two things stack on top of each other in Saginaw and neither one is unique to a single house - they're built into the area. First is age: F1 and F2 put most local homes in the 1952-1994 range, median 1970, which means most garage doors are running original or first-generation replacement hardware. That's forty-plus years of temperature swings on the same springs and rollers.
Second is the climate band itself. A COLD severe rating means winter isn't an occasional cold snap here - it's months of steel contracting and expanding, of grease thickening, of torsion springs sitting under load in single-digit temperatures they were never adjusted for after the day they were installed. Combine that with hardware that's a half-century old in a lot of these 21 named areas, and you get the same failure showing up house after house: a spring that finally lets go on the first hard freeze, not because anything went suddenly wrong, but because it was already close to the edge and cold pushed it over.
Newer doors in the area, where they exist, don't show this pattern nearly as often. It's really an age-and-climate combination, not a build defect.