1. Open your custom texture image in Photoshop (or other capable of working with .dds file format)
2. Paste http://www.x3dmod.com/ftp/images/skyrim_snow.jpg on a new layer
3. Use an erase tool on the snow layer with a brush that gives you the effect you are looking for
4. Flatten the image and save
5. Create a Normal map image and save
Make sure your images have correct alpha channels. It's a good idea to examine the stock images to see their requirements.
Anyway, if nothing else, you may find the snow texture useful.
