Given the age of the stock here, the short list of likely culprits looks pretty consistent house to house. Torsion springs installed around 2002 are at or past their rated cycle count, and a spring under tension that finally lets go can bang hard enough to startle anyone standing in the garage - don't try to free a stuck door yourself if you hear that snap.
Openers from that era are also starting to fail on the circuit board side rather than the motor side, which shows up as a unit that hums but doesn't lift, or a remote that stops responding even with a fresh battery. Rollers and hinges on doors this age have usually gone through one full roller replacement already; if yours haven't, metal-on-metal wear is often the source of the grinding noise before anything actually breaks.
The area sits in a severe cold climate band, and steel contracts in a hard freeze. On a house with a spring already near the end of its life, a cold snap is often what pushes it the rest of the way. We can't stop that from happening, but we can tell you, once we're out looking at the door, whether it's close to that point or has a few more winters left in it.