How to Keep Warm If You’re Temporarily Homeless

Facing temporary homelessness is an incredibly tough situation, and staying warm, especially in cold weather, can be a matter of survival.

Whether you’re couch-surfing, living in your car, or spending time on the streets, here are practical, actionable strategies to help you retain body heat and stay as comfortable as possible.

These tips are drawn from real-world advice and survival know-how, designed to be accessible even with limited resources.

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1. Layer Your Clothing Strategically

The key to staying warm is trapping heat close to your body. Layering is your best defense, and you don’t need expensive gear to make it work.

Base Layer

Wear something snug that wicks sweat, like a fitted t-shirt or leggings.

Avoid cotton if possible, it holds moisture and makes you colder. Synthetic fabrics or wool (if you can find it) are better.

Insulating Layers

Add loose sweaters, hoodies, or jackets.

Thrift stores, shelters, or community closets often have free or cheap options. The goal is to create air pockets that trap heat.

Outer Layer

Find something windproof and water-resistant, like a raincoat or even a trash bag in a pinch.

Wind and wet are your enemies.

Pro Tip

Stuff crumpled newspaper, dry leaves, or plastic bags inside your clothes for extra insulation.

It’s not glamorous, but it works.

2. Protect Your Extremities

Your head, hands, and feet lose heat fastest.

Keeping them covered can make a huge difference.

Head

A hat or scarf is critical, up to 20% of your body heat escapes through your head.

Wrap a t-shirt or bandana if you don’t have a hat.

Hands

Gloves are ideal, but socks over your hands or plastic bags tied loosely around them can block wind and retain heat.

Feet

Dry socks are non-negotiable. If they’re wet, swap them out or dry them near your body (like under your shirt).

Line shoes with plastic bags to keep moisture out. Cardboard insoles can add a surprising amount of warmth.

Where to Find Supplies

Check donation bins at churches, shelters, or libraries.

Many cities have outreach programs distributing hats and gloves in winter.

3. Find or Create Shelter

Even temporary shelter can drastically reduce heat loss.

Here’s how to make the most of your environment:

Urban Areas

Seek out 24-hour spots like train stations, libraries, or fast-food restaurants to warm up.

Some cities have warming centers during extreme cold—check with local shelters or 211 (in the U.S.) for locations.

Car Living

If you’re in a vehicle, park in a garage or shielded area to avoid wind. Use blankets, sleeping bags, or even car mats to insulate windows and trap heat.

Crack a window slightly to avoid carbon monoxide buildup if you’re running the engine.

Outside

Look for natural windbreaks like bushes, walls, or underpasses. Cardboard, tarps, or trash bags can create a barrier between you and the ground, which saps heat.

Elevate yourself with cardboard or wood to stay drier.

Emergency Shelter

A mylar blanket (available at dollar stores or sometimes free from outreach programs) reflects body heat.

In a pinch, pile dry leaves or debris over yourself for insulation.

4. Use Heat Sources Safely

Generating heat can be a game-changer, but safety is critical to avoid burns or fire hazards.

Hand Warmers

Chemical hand warmers are cheap and last hours. Place them in pockets, shoes, or near your core (chest or groin).

Some shelters or outreach teams give them out.

Hot Drinks/Food

Warm liquids like soup or tea raise your core temperature.

Visit soup kitchens or carry a thermos to hold hot water from public restrooms or cafes.

Fire

If you’re outside and it’s legal/safe, a small fire can provide warmth. Use dry wood and keep it contained.

Never light fires in enclosed spaces like tents or cars.

Body Heat

If you’re with others, huddle together to share warmth, ideally under blankets or tarps.

5. Stay Dry at All Costs

Wet clothes or skin make you lose heat up to 25 times faster. Here’s how to stay dry:

Avoid Sweat

If you’re moving, remove layers to prevent sweating, then add them back when you stop.

Waterproofing

Plastic bags, trash bags, or ponchos can shield you from rain or snow. Seal clothes in plastic to keep spares dry.

Dry Wet Gear

Use body heat to dry small items like socks by tucking them under your shirt.

In public spaces, use hand dryers in restrooms to warm up damp clothes.

6. Leverage Community Resources

You don’t have to go it alone. Many communities have resources to help you stay warm:

Shelters

Even if you’re avoiding shelters, many offer day programs with heat, food, and clothing. Call ahead to confirm hours and rules.

Outreach Programs

Organizations like mutual aid groups or street ministries often distribute blankets, coats, and hot meals.

Search local bulletin boards for groups in your area.

Public Spaces

Libraries, community centers, and malls are warm and usually free to enter. Some cities have “safe haven” programs for extreme weather.

Ask for Help

If you’re comfortable, let trusted friends or family know your situation.

They might offer a couch, a meal, or supplies.

7. Mind Your Health

Cold stress can weaken your body, so prioritize basic self-care:

Eat and Drink

Food fuels your body’s heat production.

High-calorie items like peanut butter or granola bars are portable and filling. Stay hydrated, even if it’s cold, dehydration makes it harder to stay warm.

Move

Light activity like walking or stretching boosts circulation.

Avoid overexertion, which can lead to sweating or exhaustion.

Watch for Warning Signs

Numbness, shivering, or confusion can signal hypothermia.

Seek a warm place or medical help immediately (call 911 or visit an ER if needed).

Final Thoughts

Temporary homelessness is a grueling challenge, but you are resilient, and these strategies can help you stay warm and safe.

Every small action, whether it’s grabbing a free coffee, finding a dry spot, or layering up, adds up.

Reach out to local resources, lean on community support, and keep looking for pathways to stability.

You’re not alone, and there are people and places ready to help.

If you’re in immediate danger from the cold, call 211 (in the U.S.) or your local emergency services for warming centers or shelters.

Stay safe, and take it one step at a time.

ON SURVIVAL is a reader-supported publication. To receive new posts and support my work, consider becoming a free or paid subscriber.