01redcrew:
In indy we are having a harsh winter. The subzero temperatures, ice, and snow is going to stress the lawn a bit more than previous winters. Looking at your image, your yard looks better than those around you. That's a good sign. Once we get into spring, it will have a head start into green up and I think it will be just fine.
Another couple of factors into the difference, sun and shade from the house and HOC. I have a hypothesis that hoc is the biggest factor in how it looks over winter. I'm running an mini experiment in a common area that I mowed lower than the landscape contractor does (everything else (nitrogen, etc) being the same). The higher hoc looks brown because the longer leaf blades dry faster, are more exposed and covers the greener blade below.