Most of the garages we open up in this area trace back to houses built between 1957 and 2005, with the heaviest concentration from the 1960s and 70s spread across the roughly 52 named neighborhoods we work in. That matters for cables because a lot of those original torsion setups are still running the same lift cable hardware, just decades older than the spring or opener that got swapped out along the way. Cable doesn't fail from one bad day. It fails from thousands of cycles grinding a few strands thin until the last one gives.
The cold-severe climate band this area sits in speeds that up. A cable that's fine at 70 degrees gets brittle and less forgiving once it's cycled through a Minnesota winter a few dozen times. Add in moisture that gets into an unheated garage and sits on galvanized wire, and you get surface rust working its way into strands that were already fatigued from age. We see it most on the drum side, where the cable wraps and unwraps thousands of times a season, and on older double-wide doors where the load per cable is higher to begin with.
A rusted or hard-worn cable rarely announces itself. It just lets go, usually on a cold morning when the door's under the most strain.