Garden at the end of January
When I give talks about growing hardy palms or other marginally hardy plants, one of my talking points is "location, location, location". My point is that I live in a city, so I benefit from an urban heat island that keeps me quite a bit warmer than the surrounding suburbs. In addition, there are microclimates within the city, and even within our own yards, that can add or subtract up to a half zone of hardiness. For example, my property is on a north-facing slope that receives no direct sun from mid-November to mid-January; overnight low temperatures in my yard are nearly always several degrees colder than the "official" temperatures for Washington, DC as recorded at Washington National Airport (which, ironically, is not even in DC!). This morning the official low at DCA was 16 degrees, but at 4:00 am the temperature in my yard was 12 degrees.