If you are pushing things on cold hardiness and are expecting a catastrophic freeze, temporarily mulching several feet deep around each tree can be a huge help. I have seen people get bananas to fruit in the Charleston, SC area with that trick. They built a cage with wire fencing several feet in diameter around the plant and mulched a foot above where the leaves come out of the trunk. That way only the top of plants gets frozen back. Lift the cage and spread the mulch after the immediate danger is past. Trees will die if buried for weeks, so cages have to be removed. It would be a fair amount of work doing this 10 times a Winter, once or twice is well worth it to save the plant. Foam pipe insulation around smaller scaffold limbs can help too if the trees are still small. Pruning back to main scaffolds just before the freeze might help too.
If you had a rural property with a tractor and loader, you could bury trees to save grafts and main scaffolds and dig them out carefully after the freeze.
Get a couple big bales of hay or a pile of wood chips to keep on hand during the winter months, it probably would have saved all the trees lost in New Orleans. A big enough pile of wood chips that has been sitting a while and kick started with some compost starter and water will actually generate its own heat from starting to decompose. If the warm pile is a few feet from the trees, that can help too... Carambola/Starfruit would seem a good candidate for zone pushing since the tree fruits heavily at a small size. Bell is my favorite variety. You might need to bury the whole tree with mulch during freezes for a winter crop of fruit though.
These tips might make a difference of a few degrees to hopefully save some trees... Same basic principles people use to protect tea roses and small ornamentals in REALLY cold areas....
I’m in Myrtle Beach and I get bananas each and every year. I remove the corm just before first frost. Just did so 2 days ago. Then I store all the banana stalks in the garage and replant come April 1st. Last year I got bananas from a stalk that was literally bare root. I’ve seen people do the cages. Seems like a lot of hard work and waste of mulch with guarantee