Hi Jay, Welcome to Permies!
I've only just planted my first mulberries so I don't know anything about them yet. They are supposed to take easily from cuttings, so you won't lose much by having a a go at propagating the top growth anyhow. Maybe they
sell a hardier rootstock to cover colder areas in your state, or ship countrywide? Just a thought.
Hopefully someone else has more experience will chip in. I did find
this thread discussing overwintering issues, but that was in a west coast, milder location.
One suggestion would be (assuming you get fruit) try propagating from seed - if you start with a hardy variety some of the babies will be just as hardy. Some will be less hardy of
course so you will get losses too, but practically free and totally adapted survivors to your location - just a thought!