I agree with Klug-san but his first sentence. 殿 has no restriction to apply to men and women in any situation; and we have no social class system, you know. In practice, as Klug-san said, we use “殿/dono” as an honorific almost only in writing. Even in writing, we have reduced to use it. “様” is dominantly used as an honorific.
Today, we never use “殿/tono” as a term of address, but joking.
Your knowledge about “殿/tono” is right as a form of address for “大名” himself, as far as I know that from costume dramas set in samurai period. In those, I hear wives of “大名” and other ‘ladies’ are called “殿/dono” with their names, too. In those films, samurais also use “殿/dono” as “さん” today to call each other with their names.
It is said that “殿” as an honorific is derived from its kanji meaning, which is “a mansion; a palace”. That turned into meaning those people who live in such place; both men and women. We have an older word 殿上人, literally “people on(in) the palace”, roughly speaking, as upper aristocrats in Heian Period.