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We get no snow. The full sized horses are blanketed at under 45 degrees with a sheet or medium blanket. We rarely ever use heavy blankets, except for with our 49 and 28 year old mares. Both of them wear a sheet at under 55 degrees, due to low body fat. So really, you just need to look at all of the variables.
1 If your horse is soaked to the skin, shivering or his ears are cold, heâs chilled and stressed; he needs a dry shelter and perhaps a blanket.  Long winter coats can hide early signs of weight loss, skin problems or lice, so check your horse daily, including his skin, eyes, feet and overall well-being.