Coconuts are not grown in a freezing climate. They must be protected if they get below 35 degrees F. It is doubtful you will be able to keep a coconut tree producing when it is colder than normal and that is likely 80s-90sF. Anything cooler than that and you will not set fruit.
Is that Skandia Michigan? Then you must grow them indoors in a hothouse environment. Since that is not economical on any scale you should simply purchase them. There is a reason they grow only in tropical climates. Michigan isn't on the list. Climate change/global warming will really need to kick, maybe in 1000 more years. So be patient and you will be able to grow them.
none, coconut palms are tropical species.
in case you're wondering i live in skandia trying to grow my own backyard hawaii.
