So, here's a few things I'm thinking of regarding a few notable female characters in the game we currently don't have constant access to (And Jess)

So, on the basis that we can trust Jess, I think that Ann (A female scientist in the super secret science part of this game) is hiding in the barricaded cabin in Lake View, not having signed up for any of this shit and living off of a massive stock pile and not trusting a single fucking person until she meets your character through the door like Natasha and takes a scientific interest in your character. Serana (Natasha's sister if I got the name wrong) is probably hiding out in Jess' tent, having a location close to Cherry's lab and maybe close to the innevitable secret underground tunnels where shit is still going on with this rift in reality, manipulating Jess into thinking that she needs her help surviving. Meanwhile, Jess is likely who she says she is and the locked cabin is likely her stock pile.

But if Jess is secretly evil, the locked cabin in her area is probably the entrance to the innevitable secret underground tunnels where Serana is, Ann is probably tied up in the tent for interrogations or something, and the barricaded cabin probably has a secret survivor within or a pile of dead bodies and or zombies.