The three distinct outcomes, stated plainly
It's tempting to want one clean answer to this question, and this hub's honest position is that there isn't one. Three fundamentally different things happen to insects as winter arrives, and lumping them together is the mistake. First, some outdoor-active insects truly do die at a hard frost — their life cycle simply ends for the season, and the population that returns in spring comes from eggs or other overwintering stages left behind, not from the same individuals surviving.
Second, and most common among the species that matter for this hub, insects enter diapause: a dormant, physiologically distinct state that lets them survive the cold rather than avoid it. Third, some pests that live indoors year-round — German cockroaches, dust mites, and spiders already established inside a heated home — never experience winter as a seasonal event at all, because indoor conditions don't meaningfully change with the calendar.

