Not sure if you have seen this thread
Frost damage and the "lies" experts tell - #35 by alan
There are several factors contributing to how much damage you will get, if any.
One year we had snow 3-4” on Halloween, very unusual for us. My 3 in 1 apple tree was full of leaves. With heavy wet snow on it, it fell over. That was how I lost my first fruit tree. Unfortunately, it was not the last.