I'll shift to New York, since:

a) this scenario has already happened to me and
b) it could happen again.

The short answer is:

Don't try to get home. Really, that's all there is to it.

Don't bother, you can't do it, don't add to the problem.

The next thing to do is get into warm shelter. A store will do. An office building, a bus station. When I got stuck in NYC, I was in an office. And you can spend a few nights in an office - it's not that horrible.

My NYC overnight was in the blizzard of 1996, and although I didn't have a lost wallet, I had no money and no credit cards, so the wallet was useless. I found a comfy chair, pulled my coat on as a blanket and all was well.

I've also overnighted at airports around the nation. Carry a towel everywhere you go, and all will be fine.