You are most welcome Donald.. Here we bump shins with zone 8b/9a. Our low this past winter was about 17F, but that was only for a few hours.. Some gingers only bloom on 2nd year growth which makes them harder for us to enjoy. The H coccineum in my pictures above are all planted in ground here on the S-SE side of the yard and they return and bloom every year, even if they have to be cut back from frost damage. They do get a good layer or mulch for warmth and to help retain moisture in summer. And if you don't find a hedychium locally, just let me know....they travel well in fall and Spring.
I think these links may help you see what would do well in your area.
http://www.searchlifeforms.com...
http://aggie-horticulture.tamu...
