Chapter ED Intelligence · Chapter Report
ARC Heart of Tennessee
Southeast and Caribbean Division · Tennessee Region
TN · 16 counties · HQ Murfreesboro, TN · FEMA Region IV
840,511
People
322,604
Households
44.8%
Households below the ALICE survival threshold
16
Counties · 6,185 sq mi
Nearly 45% of households across this chapter live below the ALICE survival threshold — the working families one disaster away from crisis.
In this report · Economic vulnerability · Who lives here · Home fire mission (FLARE) · mission delivery & the bespoke relationship strategy to follow
Sources: American Red Cross geography + 2023 demographics reference table; United Way ALICE + poverty (latest county year).
Geography & Footprint
The chapter's footprint.
16
Counties
6,185
Square miles
840,511
People
Tennessee Region
Southeast and Caribbean Division
| County | People | Sq mi | % of chapter |
|---|---|---|---|
| Rutherford | 371,563 | 624 | 44.2% |
| Putnam | 82,708 | 403 | 9.8% |
| Coffee | 59,831 | 435 | 7.1% |
| Bedford | 51,968 | 475 | 6.2% |
| Franklin | 43,857 | 576 | 5.2% |
| Warren | 41,624 | 434 | 5.0% |
| Lincoln | 35,979 | 571 | 4.3% |
| Marshall | 35,759 | 376 | 4.3% |
| White | 28,062 | 379 | 3.3% |
| Overton | 22,923 | 435 | 2.7% |
| DeKalb | 20,711 | 329 | 2.5% |
| Cannon | 14,816 | 266 | 1.8% |
| Jackson | 11,653 | 319 | 1.4% |
| Clay | 7,477 | 259 | 0.9% |
| Moore | 6,584 | 130 | 0.8% |
| Pickett | 4,996 | 174 | 0.6% |
HQ: Murfreesboro, TN · FEMA Region IV. Counties sorted by population.
Who Lives Here
The people of this chapter.
39
Median age
$66,089
Median household income
15.5%
Age 65+
30.9%
Renter households
Age distribution
Race & ethnicity
Hispanic / Latino (any race): 9.1% of residents.
Source: American Red Cross 2023 demographics reference table. Chapter figures aggregate the 16 counties; median age and income are population-weighted.
Economic Vulnerability
Where the need is greatest.
| County | People | Median HH income | ALICE | Poverty | Combined |
|---|---|---|---|---|---|
| Jackson | 11,653 | $39,254 | 35.4% | 22.8% | 58.2% |
| Clay | 7,477 | $36,523 | 31.6% | 23.8% | 55.4% |
| Cannon | 14,816 | $55,629 | 39.1% | 16.1% | 55.2% |
| Overton | 22,923 | $44,680 | 34.4% | 20.5% | 54.9% |
| Pickett | 4,996 | $44,341 | 27.6% | 26.0% | 53.7% |
| DeKalb | 20,711 | $51,738 | 30.2% | 20.4% | 50.7% |
| White | 28,062 | $50,488 | 33.6% | 15.8% | 49.3% |
| Warren | 41,624 | $50,361 | 33.0% | 15.6% | 48.6% |
| Putnam | 82,708 | $57,021 | 24.0% | 21.8% | 45.8% |
| Coffee | 59,831 | $55,370 | 30.3% | 14.6% | 44.9% |
| Bedford | 51,968 | $59,302 | 30.6% | 13.9% | 44.4% |
| Franklin | 43,857 | $56,243 | 29.7% | 13.9% | 43.5% |
| Rutherford | 371,563 | $79,912 | 34.6% | 8.2% | 42.8% |
| Lincoln | 35,979 | $62,183 | 26.5% | 13.7% | 40.2% |
| + 2 more counties — full table in the county appendix | |||||
Combined = households in poverty plus ALICE households (above poverty, below the cost of basics), as a share of all county households. Source: United Way ALICE, latest county year.
Risk & Disaster History
What this chapter is up against.
$328.9M
Expected annual loss, all hazards
Rutherford
Highest-risk county
50.2%
Avg social vulnerability (SVI)
5
FEMA declarations, 5 yr (top county)
| County | NRI risk | Exp. annual loss | SVI %ile | FEMA 5yr | FEMA all |
|---|---|---|---|---|---|
| Rutherford | Relatively Moderate | $134.9M | 42.7% | 4 | 17 |
| Bedford | Relatively Low | $25.4M | 72.6% | 3 | 18 |
| Putnam | Relatively Low | $24.4M | 55.4% | 4 | 19 |
| Coffee | Relatively Low | $22.9M | 64.1% | 5 | 21 |
| Marshall | Relatively Low | $19.7M | 35.1% | 3 | 17 |
| Franklin | Relatively Low | $19.6M | 42.2% | 3 | 15 |
| Warren | Relatively Low | $18.4M | 78.0% | 4 | 22 |
| Lincoln | Relatively Low | $16.1M | 37.3% | 3 | 17 |
| White | Very Low | $10.0M | 51.5% | 4 | 18 |
| DeKalb | Very Low | $7.5M | 80.2% | 3 | 20 |
| Overton | Very Low | $7.3M | 25.2% | 3 | 21 |
| Cannon | Very Low | $7.1M | 27.4% | 5 | 22 |
| Jackson | Very Low | $4.7M | 70.3% | 5 | 35 |
| Clay | Very Low | $4.3M | 66.0% | 4 | 22 |
| + 2 more counties — full table in the county appendix | |||||
Sources: FEMA National Risk Index 2025 (risk rating, expected annual loss), CDC/ATSDR SVI 2022 (social-vulnerability percentile), FEMA disaster declarations — via the Red Cross national county database.
Disaster History
A chapter shaped by disaster.
52
Federal disaster declarations
1
Hurricanes
Severe Storm
Most common type
2026
Most recent
By incident type
Most recent declarations
| FY | Disaster | Type |
|---|---|---|
| 2026 | Severe Winter Storm | Winter Storm |
| 2026 | Severe Winter Storm | Winter Storm |
| 2025 | Severe Storms, Straight-Line Winds, Tornadoes, And Flooding | Severe Storm |
| 2024 | Severe Storms, Tornadoes, And Flooding | Severe Storm |
| 2023 | Severe Storms, Straight-Line Winds, And Tornado | Severe Storm |
| 2023 | Severe Storms, Straight-Line Winds, And Tornado | Severe Storm |
| 2023 | Severe Storms, Straight-Line Winds, And Tornadoes | Severe Storm |
| 2023 | Severe Winter Storm | Winter Storm |
| 2021 | Severe Storms, Tornadoes, And Flooding | Tornado |
| 2021 | Severe Winter Storms | Severe Ice Storm |
Source: FEMA Disaster Declarations Summaries v2 — county-level, deduplicated to unique disasters.
Home Fire Mission · FLARE 2024
Every home fire is a Red Cross moment.
314
Home fires (2024)
43.3%
Red Cross care rate
150
Fires with no Red Cross notification
3.7
Fires per 10,000 residents
Red Cross cared for 43% of home fires — but 150 (48%) happened with no Red Cross notification: the prevention, smoke-alarm, and response opportunity, county by county.
Source: FLARE Fire Incidents 2024 (American Red Cross, public layer). “With care” = Red Cross provided assistance; “no notification” = the Red Cross was never alerted to the fire.
Home Fire · Respond & Prevent
Red Cross shows up — and prevents.
2,083
Home-fire calls answered (RC response)
1,967
Single-family fire responses
2,160
Free smoke alarms installed
112
Multi-family fire responses
Red Cross answered 2,083 home-fire calls and installed 2,160 free smoke alarms across the chapter — response and prevention, county by county.
Sources: DRO National 800-RedCross Calls by County (RC fire responses); Smoke Alarm Installs FY15–FY24 (American Red Cross).
Blood & BioMed
The blood mission's local footprint.
45,304
Blood units collected (FY22–26)
1,961
Blood drives held
364
Drives in FY2026
15
Counties with drives
Blood drives are active in 15 of the chapter's 16 counties — every county without one is an employer or civic opening: a host site, a sponsored drive, a standing partnership.
Source: BioMed Collections FY22–FY26 (American Red Cross). Drives = collection events; units = products collected.
Red Cross Facilities
The chapter's physical footprint.
3
Red Cross facilities
1
Owned
2
Leased / licensed
1
BioMed sites
By type / function
BioMed facilities
Murfreesboro TN Blood Donation CenterPlatelets & Red Cells
Sources: Red Cross real-estate portfolio (reintel.jbf.com) + BioMed facilities (biomed.jbf.com).
Locations, types and functions only — no cost, square footage, or lease terms are disclosed.
Red Cross Philanthropy · Major Donors
Who gives here.
Major-donor giving across the chapter — three fiscal years. Internal planning data.
$897,638
Total giving, 3-year
26
Major donors
$296,985
Current FY · ▲ 4% vs prior FY
$623,618
Top: Rutherford
| County | Major donors | Total giving, 3-year |
|---|---|---|
| Rutherford | 16 | $623,618 |
| Coffee | 3 | $137,090 |
| Franklin | 4 | $104,436 |
| Warren | 1 | $17,494 |
| Bedford | 1 | $10,000 |
| Cannon | 1 | $5,000 |
Source: Red Cross major-donor giving by county, three fiscal years.
Internal / executive-director planning use — not donor-facing.
County Deep Dive
Rutherford County
371,563
People
$79,912
Median HH income
42.8%
Combined ALICE + poverty
Relatively Moderate
FEMA NRI risk
People & economy
Median age35.1
ALICE households46,463
Poverty households11,034
Risk & response
Expected annual loss$134.9M
Social vulnerability (SVI)42.7%
FEMA declarations (all time)17
Home fires, CY202484
Fires, no RC notification44
Bridge assistance · DRO 220-25—
Major-donor giving · 3-yr$623,618
Rutherford County · sources: Red Cross demographics 2023, United Way ALICE, FEMA NRI & declarations, FLARE CY2024.
County Deep Dive
Putnam County
82,708
People
$57,021
Median HH income
45.8%
Combined ALICE + poverty
Relatively Low
FEMA NRI risk
People & economy
Median age38.7
ALICE households8,326
Poverty households7,576
Risk & response
Expected annual loss$24.4M
Social vulnerability (SVI)55.4%
FEMA declarations (all time)19
Home fires, CY202438
Fires, no RC notification21
Bridge assistance · DRO 220-25—
Major-donor giving · 3-yr—
Putnam County · sources: Red Cross demographics 2023, United Way ALICE, FEMA NRI & declarations, FLARE CY2024.
County Deep Dive
Coffee County
59,831
People
$55,370
Median HH income
44.9%
Combined ALICE + poverty
Relatively Low
FEMA NRI risk
People & economy
Median age42.1
ALICE households6,898
Poverty households3,338
Risk & response
Expected annual loss$22.9M
Social vulnerability (SVI)64.1%
FEMA declarations (all time)21
Home fires, CY202426
Fires, no RC notification6
Bridge assistance · DRO 220-25—
Major-donor giving · 3-yr$137,090
Coffee County · sources: Red Cross demographics 2023, United Way ALICE, FEMA NRI & declarations, FLARE CY2024.
County Deep Dive
Bedford County
51,968
People
$59,302
Median HH income
44.4%
Combined ALICE + poverty
Relatively Low
FEMA NRI risk
People & economy
Median age38.8
ALICE households5,794
Poverty households2,626
Risk & response
Expected annual loss$25.4M
Social vulnerability (SVI)72.6%
FEMA declarations (all time)18
Home fires, CY202429
Fires, no RC notification10
Bridge assistance · DRO 220-25—
Major-donor giving · 3-yr$10,000
Bedford County · sources: Red Cross demographics 2023, United Way ALICE, FEMA NRI & declarations, FLARE CY2024.
County Deep Dive
Franklin County
43,857
People
$56,243
Median HH income
43.5%
Combined ALICE + poverty
Relatively Low
FEMA NRI risk
People & economy
Median age44
ALICE households5,075
Poverty households2,369
Risk & response
Expected annual loss$19.6M
Social vulnerability (SVI)42.2%
FEMA declarations (all time)15
Home fires, CY202421
Fires, no RC notification14
Bridge assistance · DRO 220-25—
Major-donor giving · 3-yr$104,436
Franklin County · sources: Red Cross demographics 2023, United Way ALICE, FEMA NRI & declarations, FLARE CY2024.
County Deep Dive
Warren County
41,624
People
$50,361
Median HH income
48.6%
Combined ALICE + poverty
Relatively Low
FEMA NRI risk
People & economy
Median age41.9
ALICE households5,320
Poverty households2,513
Risk & response
Expected annual loss$18.4M
Social vulnerability (SVI)78.0%
FEMA declarations (all time)22
Home fires, CY202413
Fires, no RC notification5
Bridge assistance · DRO 220-25—
Major-donor giving · 3-yr$17,494
Warren County · sources: Red Cross demographics 2023, United Way ALICE, FEMA NRI & declarations, FLARE CY2024.
County Deep Dive
Lincoln County
35,979
People
$62,183
Median HH income
40.2%
Combined ALICE + poverty
Relatively Low
FEMA NRI risk
People & economy
Median age43.5
ALICE households3,864
Poverty households2,001
Risk & response
Expected annual loss$16.1M
Social vulnerability (SVI)37.3%
FEMA declarations (all time)17
Home fires, CY202434
Fires, no RC notification19
Bridge assistance · DRO 220-25—
Major-donor giving · 3-yr—
Lincoln County · sources: Red Cross demographics 2023, United Way ALICE, FEMA NRI & declarations, FLARE CY2024.
County Deep Dive
Marshall County
35,759
People
$61,686
Median HH income
38.6%
Combined ALICE + poverty
Relatively Low
FEMA NRI risk
People & economy
Median age41.6
ALICE households3,491
Poverty households1,630
Risk & response
Expected annual loss$19.7M
Social vulnerability (SVI)35.1%
FEMA declarations (all time)17
Home fires, CY20249
Fires, no RC notification7
Bridge assistance · DRO 220-25—
Major-donor giving · 3-yr—
Marshall County · sources: Red Cross demographics 2023, United Way ALICE, FEMA NRI & declarations, FLARE CY2024.
County Deep Dive
White County
28,062
People
$50,488
Median HH income
49.3%
Combined ALICE + poverty
Very Low
FEMA NRI risk
People & economy
Median age44.5
ALICE households3,691
Poverty households1,734
Risk & response
Expected annual loss$10.0M
Social vulnerability (SVI)51.5%
FEMA declarations (all time)18
Home fires, CY202418
Fires, no RC notification6
Bridge assistance · DRO 220-25—
Major-donor giving · 3-yr—
White County · sources: Red Cross demographics 2023, United Way ALICE, FEMA NRI & declarations, FLARE CY2024.
County Deep Dive
Overton County
22,923
People
$44,680
Median HH income
54.9%
Combined ALICE + poverty
Very Low
FEMA NRI risk
People & economy
Median age44.3
ALICE households3,097
Poverty households1,841
Risk & response
Expected annual loss$7.3M
Social vulnerability (SVI)25.2%
FEMA declarations (all time)21
Home fires, CY202410
Fires, no RC notification4
Bridge assistance · DRO 220-25—
Major-donor giving · 3-yr—
Overton County · sources: Red Cross demographics 2023, United Way ALICE, FEMA NRI & declarations, FLARE CY2024.
County Deep Dive
DeKalb County
20,711
People
$51,738
Median HH income
50.7%
Combined ALICE + poverty
Very Low
FEMA NRI risk
People & economy
Median age44.1
ALICE households2,569
Poverty households1,734
Risk & response
Expected annual loss$7.5M
Social vulnerability (SVI)80.2%
FEMA declarations (all time)20
Home fires, CY20248
Fires, no RC notification0
Bridge assistance · DRO 220-25—
Major-donor giving · 3-yr—
DeKalb County · sources: Red Cross demographics 2023, United Way ALICE, FEMA NRI & declarations, FLARE CY2024.
County Deep Dive
Cannon County
14,816
People
$55,629
Median HH income
55.2%
Combined ALICE + poverty
Very Low
FEMA NRI risk
People & economy
Median age43.9
ALICE households2,221
Poverty households916
Risk & response
Expected annual loss$7.1M
Social vulnerability (SVI)27.4%
FEMA declarations (all time)22
Home fires, CY20246
Fires, no RC notification2
Bridge assistance · DRO 220-25—
Major-donor giving · 3-yr$5,000
Cannon County · sources: Red Cross demographics 2023, United Way ALICE, FEMA NRI & declarations, FLARE CY2024.
County Deep Dive
Jackson County
11,653
People
$39,254
Median HH income
58.2%
Combined ALICE + poverty
Very Low
FEMA NRI risk
People & economy
Median age48.2
ALICE households1,662
Poverty households1,072
Risk & response
Expected annual loss$4.7M
Social vulnerability (SVI)70.3%
FEMA declarations (all time)35
Home fires, CY202415
Fires, no RC notification10
Bridge assistance · DRO 220-25—
Major-donor giving · 3-yr—
Jackson County · sources: Red Cross demographics 2023, United Way ALICE, FEMA NRI & declarations, FLARE CY2024.
County Deep Dive
Clay County
7,477
People
$36,523
Median HH income
55.4%
Combined ALICE + poverty
Very Low
FEMA NRI risk
People & economy
Median age47.7
ALICE households1,012
Poverty households762
Risk & response
Expected annual loss$4.3M
Social vulnerability (SVI)66.0%
FEMA declarations (all time)22
Home fires, CY20242
Fires, no RC notification1
Bridge assistance · DRO 220-25—
Major-donor giving · 3-yr—
Clay County · sources: Red Cross demographics 2023, United Way ALICE, FEMA NRI & declarations, FLARE CY2024.
County Deep Dive
Moore County
6,584
People
$68,482
Median HH income
35.4%
Combined ALICE + poverty
Very Low
FEMA NRI risk
People & economy
Median age46.8
ALICE households627
Poverty households308
Risk & response
Expected annual loss$4.2M
Social vulnerability (SVI)22.6%
FEMA declarations (all time)18
Home fires, CY2024—
Fires, no RC notification—
Bridge assistance · DRO 220-25—
Major-donor giving · 3-yr—
Moore County · sources: Red Cross demographics 2023, United Way ALICE, FEMA NRI & declarations, FLARE CY2024.
County Deep Dive
Pickett County
4,996
People
$44,341
Median HH income
53.7%
Combined ALICE + poverty
Very Low
FEMA NRI risk
People & economy
Median age51.1
ALICE households582
Poverty households548
Risk & response
Expected annual loss$2.1M
Social vulnerability (SVI)32.8%
FEMA declarations (all time)21
Home fires, CY20241
Fires, no RC notification1
Bridge assistance · DRO 220-25—
Major-donor giving · 3-yr—
Pickett County · sources: Red Cross demographics 2023, United Way ALICE, FEMA NRI & declarations, FLARE CY2024.
Your Live Tools
The chapter's Experience Builder apps & federal tools.
Red Cross Intelligence Briefing
Chapter risk, hardship, hazards & county drilldowns
experience.arcgis.com
Disaster Response Intelligence
Spatial disaster-response intelligence
Experience Builder app
Red Cross Real Estate
Facilities & market intelligence
experience.arcgis.com
Service Area Planning
Service-area geography & planning
Experience Builder app
Community Mobilization V
Local resource & mobilization map
experience.arcgis.com
Biomed
Blood & BioMed footprint
experience.arcgis.com
FEMA RAPT
Resilience analysis & planning
www.fema.gov
Census Community Resilience
People & resilience context
www.census.gov
Red Cross Experience Builder apps give the live, drill-down companion to this report; federal tools add official context.
Sources & Methodology
Every number, traceable.
Tools produce facts; humans own decisions. Each figure in this report traces to a named source and vintage.
| Metric | Source | Vintage |
|---|---|---|
| geography + 2023 demographics | ALICE master / Red Cross reference table | 2023 |
| ALICE + poverty households | MASTER counties ALICE+demographics | 2023 |
| flare | flare_fire_incidents (public AGOL, CY24) | CY2024 |
| smoke_alarms | GIS_MAP_FY15_to_FY24 (AGOL item b09f21d9…) | FY15–24 |
| blood | Biomed Collections 22-26 by chapter/county | FY22–26 |
| risk + disaster history | FEMA NRI 2025 · CDC SVI 2022 · FEMA declarations (red-cross-data county master) | FEMA NRI 2025 · SVI 2022 |
| fema disaster history | FEMA Disaster Declarations Summaries v2 | 2026 |
| facilities / real estate (no costs) | Red Cross facilities portfolio — reintel.jbf.com (locations, types & ownership only; no cost/lease terms) | FY25 |
| home-fire RC responses (SFF/MFF) | DRO National 800-RedCross Calls by County (org AGOL) | FY24–26 |
Geography: American Red Cross chapter↔county reference. The full machine-readable source ledger ships with the data bundle.
Appendix · County Data
Full county table.
| County | Pop | Households | Hardship | NRI risk | Exp. annual loss | Fires '24 |
|---|---|---|---|---|---|---|
| Rutherford | 371,563 | 135,864 | 42.8% | Relatively Moderate | $134.9M | 84 |
| Putnam | 82,708 | 33,436 | 45.8% | Relatively Low | $24.4M | 38 |
| Coffee | 59,831 | 23,671 | 44.9% | Relatively Low | $22.9M | 26 |
| Bedford | 51,968 | 19,075 | 44.4% | Relatively Low | $25.4M | 29 |
| Franklin | 43,857 | 17,320 | 43.5% | Relatively Low | $19.6M | 21 |
| Warren | 41,624 | 16,680 | 48.6% | Relatively Low | $18.4M | 13 |
| Lincoln | 35,979 | 14,702 | 40.2% | Relatively Low | $16.1M | 34 |
| Marshall | 35,759 | 13,904 | 38.6% | Relatively Low | $19.7M | 9 |
| White | 28,062 | 11,203 | 49.3% | Very Low | $10.0M | 18 |
| Overton | 22,923 | 9,352 | 54.9% | Very Low | $7.3M | 10 |
| DeKalb | 20,711 | 8,351 | 50.7% | Very Low | $7.5M | 8 |
| Cannon | 14,816 | 5,999 | 55.2% | Very Low | $7.1M | 6 |
| Jackson | 11,653 | 4,952 | 58.2% | Very Low | $4.7M | 15 |
| Clay | 7,477 | 3,234 | 55.4% | Very Low | $4.3M | 2 |
| Moore | 6,584 | 2,659 | 35.4% | Very Low | $4.2M | — |
| Pickett | 4,996 | 2,202 | 53.7% | Very Low | $2.1M | 1 |
One row per county. Combined hardship = poverty + ALICE households. Fires = FLARE CY2024.