Saginaw's housing stock sits mostly in that late-90s build window, so the cable setups we see are fairly consistent: galvanized 1/8-inch aircraft cable, drum-wound, on torsion hardware rather than the older extension-spring pulley systems you'd find on a house from the 1960s. The failure pattern that goes with that setup is fraying at the drum groove, not snapping mid-span. You'll see the strands start to separate where the cable wraps the drum dozens of times a year, every time the door cycles.
Texas heat plays a role too. Garages here run hot for long stretches, and a hot, dry garage dries out the light film of lubricant on a cable faster than a shaded one. A dry cable flexing over a drum thousands of times a season wears through at the bend points first. We see more of these failures in late summer than any other month, and it's almost always the same drum-groove fray, not a dramatic mid-cable snap.