Applying winter mulch is usually our final gardening chore of the season, but skipping this chore can be risky.
All of our plants are more likely to survive the winter in good condition if they're mulched in fall. That's especially true for any perennials, bulbs, shrubs and trees that have been recently planted, are marginally hardy here or aren't well-established in the garden.
When to mulch
In most cases, it's best to wait until the ground begins to freeze to mulch most flowering bulbs and perennials. But if the temperatures don't drop by early December, go ahead and mulch even if the soil isn't frozen.
Plants that are not fully hardy here, such as strawberries and many of our roses, should have a cover of protective mulch before temperatures drop below 20 degrees. (Without protection, strawberry plants may survive, but their minuscule flower buds will not. And roses may die back to their roots, which renders them worthless if they are grafted.)
Some years, we get several inches of snow before we can mulch. Don't let that stop you. Go ahead and apply your mulch right on top of the snow.
Snow does provide some insulation, but it's not a good idea to rely on snow alone to protect your plants. Snow can melt during a midwinter mild spell (the infamous "January thaw"), leaving plants vulnerable when temperatures plunge again.
Winter vs. summer mulch