loy = snow
Some things Google found for "loy":
Loy is an unusual to uncommon masculine first name. Loy is an uncommon last name, notably actress Myrna Loy. A loy is an Irish spade used for manual plowing (or ploughing). Loy is the name of places in Germany and in the US in Arkansas.
Word derivation for "snow" :
Hungarian = hó
Finnish = lumi
Samgur = loy
I decided to include several diphthongs in Samgur. I dropped the accent from the O in the Hungarian word, added it to the I in the Finnish word to get OI, then transliterated OI to OY.