How to Overwinter Banana Plants

Before we talk about how to overwinter banana plants, the first thing we need to get straight is that the banana tree (Musa spp.) is not actually a tree. It’s an herb! A rather sizeable herb.

Its “trunk” is actually a cylinder of tightly layered leaves called a pseudostem.

A vertical picture of a garden scene with a cluster of banana plants with large green leaves and woody stems in bright sunshine. To the center and bottom of the frame is green and white text.

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The banana is an attractive herbaceous flowering plant that grows to a mature height of 12 to 18 feet tall. Its large leaves, purple flowers, and brightly colored fruit make a dramatic statement in the garden.

It’s a Tropical Plant

There are about 70 species of the genus Musa, and they are indigenous to tropical areas of India, Southeast Asia, and northern Australia.

They are now grown in more than 135 countries, mostly for their fruit, which is enjoyed around the world.

A close up of a large bunch of green bananas still on the tree. The large green leaves filtering the bright sunlight in the background.

Given their native climate, it is unsurprising that banana plants are cold intolerant. They need mild temperatures in order to grow; their leaves will stop growing at around 55°F.

They will suffer leaf damage at 32°F, and their underground rhizomes will die at sustained temperatures of 22°F or lower.

A vertical picture of banana trees growing in a raised garden bed with frost on the leaves. Instead of bright green, the leaves are brown and damaged, hanging limply from the stem.

Having said that, we would be remiss if we didn’t mention that there are indeed a few cold-tolerant varieties available.

For example, the ‘Japanese Fiber’ variety (M. basjoo) can withstand sub-zero temperatures. It’s hardy to Zone 5 or 6, and can be overwintered in colder areas by cutting it back and providing a protective mulch around the stem.

A close up of a small banana tree growing in a large ceramic pot in the garden. A few green fruits are visible amongst the leaves, contrasting with the light brown stem. In the background is a garden scene with tropical trees and a white building.

Nevertheless, most banana plants like it hot, and if you don’t live in USDA Hardiness Zone 9 or higher, you may wonder how you can add one of these tropical beauties to your landscape and keep it alive over winter.

Let’s learn more!

Keeping Your Banana Plant Alive

Here, we’ll offer three ways you can protect and preserve your banana plant over the winter months:

Container Growing

Perhaps the most obvious way to successfully overwinter a banana tree is to grow it in a container and bring it indoors when temperatures drop.

A close up of a small banana tree growing in a pot indoors on a windowsill. Surrounding it is a purple orchid flower. The background is bright filtered sunlight.

It is best to select a dwarf variety for container growing. A 15-foot “tree” in a pot would be a bit unwieldy!

Simply enjoy your potted plant on the patio or deck all summer, and then bring it indoors when outdoor temperatures begin to drop.

You have a couple options in terms of where you place it indoors.

A close up of a small young banana plant in a terra cotta pot on a windowsill, in a small white saucer. The healthy green leaves are broad and upright. In the background is a garden scene in soft focus outside the window.

If you’d like to adorn an empty corner of your living room, make sure it’s a sunny spot and be sure to keep the soil moist, but not soggy.

Provide humidity by misting the leaves via a squirt bottle filled with water.

Expect to see slow growth during this period.

If an attached garage or crawl space makes more sense for overwintering your container grown banana, begin preparing the plant by gradually reducing irrigation as the weather cools.

Before the first frost, cut the stem back to about six inches tall, and place it in a cool, dark place – approximately 40-50°F.

Water just enough so that the soil doesn’t separate from the sides of the container.

It will go dormant through the cold months, and you can take it outdoors again and start watering it properly once temperatures start to climb and all risk of frost has passed.

Cover It

If your plant is growing in the ground, one option for safely overwintering it is to protect it with thick layers of mulch.

The goal here is to protect the large rhizome at the base of the pseudostem, which is known as the “corm.” The corm has several growing points that will sprout new rhizomes – or “pups” – which can be transplanted.

A small Musa basjoo growing in the garden surrounded by lawn with bright green leaves and a dark stem with a large tree in soft focus in the background.

Cut the plant back to about 4-6 inches above the ground, and then pile on at least a foot of leaves, straw, or other mulching material.

You might also cover the pile with plastic sheeting, row cover material, or a cloche for more protection, and to keep the mulch in place.

If you can’t bear to cut your plant down, you can leave it intact and fashion a wire cage around the pseudostem, leaving one to two feet of horizontal clearance from the stem to the cage.

Make the cage as high as the amount of pseudostem you want to protect.

A close up of two hands from the left of the frame scooping out dark, rich soil from a red wheelbarrow, the background fading to soft focus.

After the first light frost, fill the cage with shredded leaves or straw. Make sure you pack it in well, so it completely surrounds the stem.

You may lose any portion of the plant that sticks out above the cage, but the covered portions and the rhizome underground should be protected.

You can also wrap hessian or row cover material around the outside of the wire cage to add insulation and keep the material in place.

Remove the cage and mulching material when warm weather returns and the plant shows signs of regrowth.

A vertical picture of a small banana tree with brown and dying leaves growing in the garden surrounded by green lawn.

Trim off any dead material and start watering.

You can spread the shredded leaves or straw around the base of the plant to provide some extra organic material to the soil.

Dig It Up

Another way to protect your banana plant during wintertime is to dig it up and move it to a cellar, crawlspace, or similar area where the temperature is consistently 45-50°F. Ideally, this should be done before the first frost.

A close up of vivid green banana plant leaves in light sunshine.

Before you start moving earth, though, you’ll want to cut the plant back to about six inches tall. When that’s done, carefully dig out the rhizomes and roots. Make sure you dig out at least 6-8 inches on either side of the base of the stem.

Place the root ball in a container of slightly moist sand. The tree will go dormant so it won’t need light, and you shouldn’t water it at all during this time.

A vertical picture showing a banana plant with a large bunch of green fruit contrasting with the light brown stem, surrounded by green leaves. On the ground are some brown, dead leaves around the base of the tree.

Banana trees with pseudostems that are larger than five inches in diameter can be dug up and stored without lopping off the top first. Shake the soil from the roots and lay the plant on its side on top of a tarp or newspaper in your chosen location.

Replant when all danger of frost has passed. You’ll want to give your tree plenty of water to revive it.

A Statement Plant that Deserves a Second Life

With their large leaves and impressive height, banana plants can make a spectacular statement in the landscape. But for most of us in the United States, the beauty fades when the winter’s chill approaches.

Tall bananas with large green leaves against a blue sky background.

Rather than simply abandoning your bananas to the whims of weather, you have several choices for protecting them for a return engagement come springtime.

Have you successfully overwintered one of these tropical beauties? How do you revive them after winter? Share your tips in the comments section below.

Do you have other plants you need to protect from the cold? Check out these guides:

© Ask the Experts, LLC. ALL RIGHTS RESERVED. See our TOS for more details. Uncredited photos: Shutterstock.

Photo of author
A former garden editor for a daily newspaper in Austin, Texas, Gretchen Heber goes through entirely too many pruners and garden gloves in a year’s time. She’s never met a succulent she didn’t like and gets really irritated every 3-4 years when Austin actually has a freeze cold enough to kill them. To Gretchen, nothing is more rewarding than a quick dash to the garden to pluck herbs to season the evening meal. And it’s definitely time for a happy dance when she’s able to beat the squirrels to the peaches, figs, or loquats.
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Bryan (@guest_8529)
3 years ago

Bananas are very forgiving with the right care. After fruiting , cut down stem close to ground to allow energy to feed new growth.
And after you have 3 new sprouts you can remove one sprout and pot it up to make new planting.

Cory (@guest_10440)
2 years ago

This first cold snap has me looking at my banana plants, several, keiki/baby trees have successfully started. Main plants around 6 feet, babies between 1 and 3 feet

Should I cut the babies and the main stalk? I really don’t think we will have sustained freezing temps here, in the New Braunfels area. Any thoughts?

Allison Sidhu
Allison Sidhu(@allison-sidhu)
Reply to  Cory
2 years ago

Are you referring to New Braunfels, TX? In Zone 8b, you’re right that a sustained freeze isn’t likely, but temperatures do often drop below freezing in the winter. I’m not sure which type you are growing, but keep in mind that bananas are semi-tropical/tropical plants. Cutting them back is generally recommended to preserve their health through the winter, and I would plan to mulch them well for extra protection. Any foliage left on the plant can suffer frost damage.

Frank D'Amico
Frank D'Amico (@guest_10672)
2 years ago

Living in NY ,I’ve been digging up my banana tres every year. This is the first year I will attempt mulching them over. I have about 10 bags of mulch and a frost blanket. Wish me luck!

Clare Groom
Clare Groom(@clareg)
Reply to  Frank D'Amico
2 years ago

Hi Frank, good luck.. Let us know how it goes! 🙂

Mike (@guest_12289)
Reply to  Frank D'Amico
2 years ago

Did this work? In PA and thinking of trying the same thing.

Stefan (@guest_18342)
Reply to  Frank D'Amico
1 year ago

Hi Frank! As a fellow NYer, so curious to hear a bit more about what you do with the plants you dig up. I’ve got a musella lasiocarpa and a dwarf lady finger and am trying to figure out what to do with them this winter. Any insight would be really appreciated!

Ema (@guest_11234)
2 years ago

We just moved into a new house in October and we have (had) a beautiful banana tree is about 15-20 ft tall. We had no idea how to care for it (living in North Carolina) and with everything going on we forgot to care for it during the winter. Of course all the big leaves are dead and we are trying to figure out now, what should we do? Is it ok to just cut the dead leaves off and than wait for the spring? Any other suggestions?

Chuck Toftoy
Chuck Toftoy (@guest_14741)
Reply to  Ema
1 year ago

Cut it back to about 1’ off the ground . Cover with mulch inside a used plastic plant container. Cover loosely with burlap. Put stone on top of burlap. In early Spring… remove. This works great.

Chuck Toftoy
Chuck Toftoy (@guest_14742)
Reply to  Chuck Toftoy
1 year ago

Also, cut at 45 degree angle.

LYNN YINGER (@guest_14954)
1 year ago

I see a lot of people are still getting a banana plant and a banana tree mixed up. They are totally different. The plant will get about 10 maybe 12 feet tall and bears no fruit whereas the tree can get as tall as 25 to 30 feet with – you guessed it – bananas. But I was wondering how far out from the trunk a pup will sprout. And if I put large flat rocks or stones around the stalk if that will keep them from coming thru the surface.

Mary Lu Norland
Mary Lu Norland (@guest_15035)
1 year ago

I dug up my Banana tree, Ensete Maurelii, about this time last year. I whacked it down to about 8″ tall, squirted the dirt off the roots, let it dry off. I put it into a brown paper grocery bag and put it into a dark closet in the basement. I told it to be dormant. Sometimes it sent up white stalks. I cut those off and when things warmed up this past spring, I planted it. It has been VERY happy this year on the south side of the house. It doubled in height and circumference. I dug it… Read more »

Suzanne Sherburn
Suzanne Sherburn (@guest_15576)
1 year ago

I have my whole back fenced lined with banana palms, they are beautiful. Before first frost I cut them back to about a foot to 2′ tall and then covered them with a straw, or hay. My plants are way to big to dig up. Also when it gets really cold I will cover them with burlap. In the spring they come back really fast and healthy! Love theses palms!!

Rose Kennedy
Rose Kennedy(@rosekennedy)
Gardening Writer
Reply to  Suzanne Sherburn
1 year ago

Hello Suzanne Sherburn. That sounds like a worthy approach and I’m so glad you’re having success with it! Thanks for sharing your tips.

Suzanne Sherburn
Suzanne Sherburn (@guest_19691)
Reply to  Suzanne Sherburn
1 year ago

My back fence is lined with them also I do exactly the same thing in winter, I’m in central California I tried attaching a picture wouldn’t work!

Lawrence (@guest_16310)
1 year ago

I live in the UK, I have a hardy Japanese (Musa Basjoo) and a red Abysinnian Banana plant which i’ve overwintered for the first time. It has not been too cold here over winter (I have them in a sheltered garden) but it has been wet. I havent brought the plants inside or cut them down at the stem (I couldn’t bare to) but I did protect them with hessian wrapping, packed straw inside a frame of chicken wire and covered the top with plastic sheeting. However, when i’ve opened them up both stems are very wet and a bit… Read more »

Rose Kennedy
Rose Kennedy(@rosekennedy)
Gardening Writer
Reply to  Lawrence
1 year ago

Hello Lawrence. I would give it another go with pruning them before trying to wrap them to overwinter.

It’s wrenching to have to cut them back, but also an essential part of the overwintering process.

If you’re able to attach a photo or two, I’d like to get a look at what’s going on and offer some further advice. But I’m fairly certain the wet stems are reacting poorly because they should have been trimmed.

Good luck with the overwintering. Banana plants are so appealing and easy to love.

Wendy (@guest_19732)
1 year ago

Mine’s in a pot, it’s only a small baby. Can I bring it inside over winter?

Allison Sidhu
Allison Sidhu(@allison-sidhu)
Reply to  Wendy
1 year ago

Yes, you can! See the container overwintering section in the article above, and please let us know if you have any specific questions. Good luck!

Ann Rausch
Ann Rausch (@guest_20442)
11 months ago

How cold can they get? We’ve had 39 degrees (Middle Tennessee, zone 7a) and will again tonight with a little more warmer weather coming after this but I won’t have opportunity to dig for 3 more days. Will this cold snap ruin anything I might try to save? I’m really not certain what I have. I bought one plant about 10 years ago & now I have at least a half dozen every year.

Allison Sidhu
Allison Sidhu(@allison-sidhu)
Reply to  Ann Rausch
11 months ago

What a wonderful addition to the garden! Have you cut the plants back? As noted above, bananas will suffer frost damage at temperature below freezing, and the rhizomes cannot withstand sustained temperatures at or below 22°F. Covering them with a thick layer of mulch for protection until you’re ready to move them may be a good idea.

Ann Rausch
Ann Rausch (@guest_20477)
Reply to  Allison Sidhu
11 months ago

I was hoping I could still dig up the entire plant a store in a cool location. Lows are supposed to be 45 & above for the next week or so.

Allison Sidhu
Allison Sidhu(@allison-sidhu)
Reply to  Ann Rausch
11 months ago

Absolutely- digging it up ASAP for storage is your best option.