Katara

Katara is girl from a southern village in the water nation. The weather there is bitterly cold, similar to polar regions like northern Alaska.

The Story
Katara is a waterbender. (A person who can control the element of water) After a long journey to help the avatar, she decided to go on to explore the world. Shortly after embarking on this new journey the boat she was traveling upon got caught in a horrible storm out at sea, and started sinking.
Katara along with a few other water benders aboard the ship kept it afloat long enough for people to prepare themselves. After several minutes the water binders were sapped of their strength and the boat went down. Katara was in such a rush to reach the area in the hull where the water was pouring in she forgot to get a life jacket, and was sweeped under the water.
Somehow by miracle she woke up washed up in a island alive. Strangely though, none of the other passengers were nearby.