Here's an article I just found about blanketing...(Horse and Rider online) When to Blanket Your Horse in Winter Use this handy checklist to decide if it's time to offer your horse a little extra warmth this winter with a blanket.
By Melissa Hower-Moritz, Ph.D.
Knowing when to blanket your horse can help keep him comfortable through inclimate weather.
Photo by Darrell Dodds
Some horses are happy in all but the most bitter temperatures, while others shiver on the first cold night of fall. To figure out if your horse needs a blanket, answer the following yes-or-no questions. A "yes" answer to any one means your horse would appreciate a little extra insulation. 1. Is it below 50 degrees Fahrenheit?
Even if your horse has a natural (unclipped) haircoat, he may appreciate a blanket at this temperature. This is just a general rule of thumb, since other factors (such as wind, humidity and/or precipitation) may call for a blanket when it's warmer. On the other hand, some horses acclimate to colder temperatures, especially those with thick haircoats. 2. Is his coat clipped?
If so, your horse may need a blanket (or at least a sheet) when the mercury drops below 60 degrees F. 3. Does he usually live indoors?
If your horse lives even part of the time
in a warm barn, he'll feel the cold more than a horse that lives outside full time. 4. Does he live in an open pasture?
A full-time outdoor horse will grow a heavy coat to ward off the elements, but wind and rain can destroy that insulating effect. If there's no shelter in his pasture, he may need wind- and water-resistant horse clothing to stay warm. 5. Is his stall drafty?
Drafts in your barn may have the same effect as outside breezes--they blow away that layer of warm air next to your horse's skin, making him feel colder. 6. Is he shivering?
Don't go by formulas--check your horse to see whether he's too cold. If he's shivering, blanket him (or add blankets) and get him to a shelter. (To see if your horse is too warm, slide your hand under his blanket; if he's sweaty, he needs a lighter covering, or none at all.)