Understanding the role of temperature in the dynamic response of composite plates is critical for naval systems operating in extreme environments like the Arctic. Despite the advantages of composite materials in improving corrosion resistance and enabling the customization of material properties to their environment, their behavior at cold temperature, especially under dynamic loading, remains elusive. This research gap hinders the effective use of composite materials in extreme environments. Here, we study the dynamic response of air-backed fiberglass epoxy plates under hydrodynamic loading at room temperature and 4∘C. By employing digital image correlation and particle image velocimetry, we investigated the interplay between fluid–structure interactions and cold temperatures. Our findings reveal the critical role of temperature in shaping the dynamic response of air-backed composites through changes in the stiffness and damping properties. At cold temperature, the plate experiences a larger (smaller) deformation in the initial (latter) phase of the dynamic response. Furthermore, we observed a pronounced coupling between the structural response and the flow physics, with peaks of the hydrodynamic loading synchronized with the peak deflections. Our results underscore the importance of considering temperature in the design of naval systems for extreme environments, providing key insights into fluid–structure interactions at cold temperature.