Base Properties 

Pretty straightforward, I used three varying textures. Snow, on top of cracking ice, and then some moving water mixed in wherever. Because I only needed the normals for the water, I mostly left that one alone except for adding the dark colors underneath, which gives a nice (and spooky) depth to the water that's added. 

Normal Maps

Blending between the different normal maps is imperative to give the proper look and feel to the environment. Once I understood how to properly "move" between different "materials" everything seemed to come together then. 

Roughness & Surface Adjustments

I originally hadn't thought much about the roughness values until the snow looked as slippery as the water. I figured I had to replicate some node structures to separate the roughness values. Now, the snow looks soft, water looks wet, and the ice looks slippery. Below, I had some surface adjustment to be able to increase or lower the height of the snow next to the building to give it a more natural feel, as opposed to being a straight plane all the way through at a constant level. 

Final Build

Feature Demonstration