Chapter ED Intelligence · Chapter Report
ARC of Tennessee River
Southeast and Caribbean Division · Tennessee Region
TN · 12 counties · HQ Clarksville, TN · FEMA Region IV
584,142
People
223,674
Households
42.0%
Households below the ALICE survival threshold
12
Counties · 6,191 sq mi
Nearly 42% 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.
12
Counties
6,191
Square miles
584,142
People
Tennessee Region
Southeast and Caribbean Division
| County | People | Sq mi | % of chapter |
|---|---|---|---|
| Montgomery | 238,078 | 544 | 40.8% |
| Maury | 109,982 | 616 | 18.8% |
| Dickson | 56,283 | 491 | 9.6% |
| Lawrence | 45,058 | 618 | 7.7% |
| Giles | 30,710 | 611 | 5.3% |
| Hickman | 25,347 | 613 | 4.3% |
| Humphreys | 19,035 | 557 | 3.3% |
| Wayne | 16,127 | 736 | 2.8% |
| Stewart | 13,740 | 493 | 2.4% |
| Lewis | 12,924 | 282 | 2.2% |
| Perry | 8,580 | 423 | 1.5% |
| Houston | 8,278 | 207 | 1.4% |
HQ: Clarksville, TN · FEMA Region IV. Counties sorted by population.
Who Lives Here
The people of this chapter.
39
Median age
$62,597
Median household income
15.0%
Age 65+
29.7%
Renter households
Age distribution
Race & ethnicity
Hispanic / Latino (any race): 7.1% of residents.
Source: American Red Cross 2023 demographics reference table. Chapter figures aggregate the 12 counties; median age and income are population-weighted.
Economic Vulnerability
Where the need is greatest.
| County | People | Median HH income | ALICE | Poverty | Combined |
|---|---|---|---|---|---|
| Wayne | 16,127 | $52,329 | 34.5% | 19.5% | 54.0% |
| Lewis | 12,924 | $46,814 | 33.2% | 18.9% | 52.2% |
| Perry | 8,580 | $53,869 | 35.2% | 15.9% | 51.1% |
| Hickman | 25,347 | $53,094 | 36.5% | 13.7% | 50.2% |
| Lawrence | 45,058 | $49,526 | 32.3% | 17.4% | 49.7% |
| Humphreys | 19,035 | $54,014 | 37.6% | 11.4% | 49.0% |
| Houston | 8,278 | $48,124 | 32.4% | 16.1% | 48.5% |
| Giles | 30,710 | $53,634 | 28.8% | 15.1% | 43.9% |
| Stewart | 13,740 | $54,243 | 28.1% | 14.7% | 42.8% |
| Dickson | 56,283 | $63,209 | 32.6% | 10.2% | 42.7% |
| Maury | 109,982 | $74,379 | 25.9% | 14.4% | 40.3% |
| Montgomery | 238,078 | $65,190 | 24.8% | 13.1% | 37.8% |
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.
$241.8M
Expected annual loss, all hazards
Montgomery
Highest-risk county
46.3%
Avg social vulnerability (SVI)
9
FEMA declarations, 5 yr (top county)
| County | NRI risk | Exp. annual loss | SVI %ile | FEMA 5yr | FEMA all |
|---|---|---|---|---|---|
| Montgomery | Relatively Moderate | $77.8M | 60.0% | 7 | 22 |
| Maury | Relatively Low | $46.2M | 22.1% | 5 | 21 |
| Lawrence | Relatively Low | $22.3M | 73.9% | 4 | 25 |
| Dickson | Relatively Low | $18.8M | 23.2% | 9 | 27 |
| Giles | Relatively Low | $17.6M | 45.2% | 6 | 24 |
| Hickman | Relatively Low | $12.7M | 41.8% | 6 | 25 |
| Humphreys | Relatively Low | $12.6M | 37.4% | 6 | 26 |
| Wayne | Relatively Low | $9.4M | 74.7% | 6 | 27 |
| Perry | Very Low | $6.9M | 46.8% | 6 | 24 |
| Stewart | Very Low | $6.8M | 38.9% | 8 | 23 |
| Lewis | Very Low | $5.4M | 52.9% | 6 | 24 |
| Houston | Very Low | $5.2M | 38.5% | 6 | 28 |
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.
54
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 |
| 2025 | Severe Storms, Straight-Line Winds, Tornadoes, And Flooding | Severe Storm |
| 2024 | Severe Storms, Tornadoes, And Flooding | Severe Storm |
| 2024 | Severe Storms And Tornadoes | 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 |
| 2022 | Severe Storms, Straight-Line Winds, And Tornadoes | Tornado |
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.
202
Home fires (2024)
43.6%
Red Cross care rate
85
Fires with no Red Cross notification
3.5
Fires per 10,000 residents
Red Cross cared for 44% of home fires — but 85 (42%) 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.
1,728
Home-fire calls answered (RC response)
1,683
Single-family fire responses
2,001
Free smoke alarms installed
41
Multi-family fire responses
Red Cross answered 1,728 home-fire calls and installed 2,001 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.
48,967
Blood units collected (FY22–26)
2,259
Blood drives held
448
Drives in FY2026
12
Counties with drives
Blood drives are active in 12 of the chapter's 12 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.
2
Red Cross facilities
0
Owned
2
Leased / licensed
0
BioMed sites
By type / function
BioMed facilities
No BioMed fixed sites in this chapter.
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.
$206,285
Total giving, 3-year
13
Major donors
$16,250
Current FY · ▼ 83% vs prior FY
$190,535
Top: Montgomery
| County | Major donors | Total giving, 3-year |
|---|---|---|
| Montgomery | 11 | $190,535 |
| Humphreys | 2 | $15,750 |
Source: Red Cross major-donor giving by county, three fiscal years.
Internal / executive-director planning use — not donor-facing.
County Deep Dive
Montgomery County
238,078
People
$65,190
Median HH income
37.8%
Combined ALICE + poverty
Relatively Moderate
FEMA NRI risk
People & economy
Median age33.3
ALICE households22,753
Poverty households12,002
Risk & response
Expected annual loss$77.8M
Social vulnerability (SVI)60.0%
FEMA declarations (all time)22
Home fires, CY202485
Fires, no RC notification44
Bridge assistance · DRO 220-25—
Major-donor giving · 3-yr$190,535
Montgomery County · sources: Red Cross demographics 2023, United Way ALICE, FEMA NRI & declarations, FLARE CY2024.
County Deep Dive
Maury County
109,982
People
$74,379
Median HH income
40.3%
Combined ALICE + poverty
Relatively Low
FEMA NRI risk
People & economy
Median age40.5
ALICE households11,818
Poverty households6,554
Risk & response
Expected annual loss$46.2M
Social vulnerability (SVI)22.1%
FEMA declarations (all time)21
Home fires, CY202422
Fires, no RC notification10
Bridge assistance · DRO 220-25—
Major-donor giving · 3-yr—
Maury County · sources: Red Cross demographics 2023, United Way ALICE, FEMA NRI & declarations, FLARE CY2024.
County Deep Dive
Dickson County
56,283
People
$63,209
Median HH income
42.7%
Combined ALICE + poverty
Relatively Low
FEMA NRI risk
People & economy
Median age41
ALICE households6,866
Poverty households2,141
Risk & response
Expected annual loss$18.8M
Social vulnerability (SVI)23.2%
FEMA declarations (all time)27
Home fires, CY20249
Fires, no RC notification4
Bridge assistance · DRO 220-25—
Major-donor giving · 3-yr—
Dickson County · sources: Red Cross demographics 2023, United Way ALICE, FEMA NRI & declarations, FLARE CY2024.
County Deep Dive
Lawrence County
45,058
People
$49,526
Median HH income
49.7%
Combined ALICE + poverty
Relatively Low
FEMA NRI risk
People & economy
Median age41.8
ALICE households5,391
Poverty households2,908
Risk & response
Expected annual loss$22.3M
Social vulnerability (SVI)73.9%
FEMA declarations (all time)25
Home fires, CY202418
Fires, no RC notification9
Bridge assistance · DRO 220-25—
Major-donor giving · 3-yr—
Lawrence County · sources: Red Cross demographics 2023, United Way ALICE, FEMA NRI & declarations, FLARE CY2024.
County Deep Dive
Giles County
30,710
People
$53,634
Median HH income
43.9%
Combined ALICE + poverty
Relatively Low
FEMA NRI risk
People & economy
Median age44.9
ALICE households3,371
Poverty households1,774
Risk & response
Expected annual loss$17.6M
Social vulnerability (SVI)45.2%
FEMA declarations (all time)24
Home fires, CY202418
Fires, no RC notification5
Bridge assistance · DRO 220-25—
Major-donor giving · 3-yr—
Giles County · sources: Red Cross demographics 2023, United Way ALICE, FEMA NRI & declarations, FLARE CY2024.
County Deep Dive
Hickman County
25,347
People
$53,094
Median HH income
50.2%
Combined ALICE + poverty
Relatively Low
FEMA NRI risk
People & economy
Median age42.1
ALICE households3,347
Poverty households1,258
Risk & response
Expected annual loss$12.7M
Social vulnerability (SVI)41.8%
FEMA declarations (all time)25
Home fires, CY202412
Fires, no RC notification1
Bridge assistance · DRO 220-25—
Major-donor giving · 3-yr—
Hickman County · sources: Red Cross demographics 2023, United Way ALICE, FEMA NRI & declarations, FLARE CY2024.
County Deep Dive
Humphreys County
19,035
People
$54,014
Median HH income
49.0%
Combined ALICE + poverty
Relatively Low
FEMA NRI risk
People & economy
Median age44.4
ALICE households2,578
Poverty households783
Risk & response
Expected annual loss$12.6M
Social vulnerability (SVI)37.4%
FEMA declarations (all time)26
Home fires, CY20248
Fires, no RC notification1
Bridge assistance · DRO 220-25—
Major-donor giving · 3-yr$15,750
Humphreys County · sources: Red Cross demographics 2023, United Way ALICE, FEMA NRI & declarations, FLARE CY2024.
County Deep Dive
Wayne County
16,127
People
$52,329
Median HH income
54.0%
Combined ALICE + poverty
Relatively Low
FEMA NRI risk
People & economy
Median age42.8
ALICE households1,980
Poverty households1,118
Risk & response
Expected annual loss$9.4M
Social vulnerability (SVI)74.7%
FEMA declarations (all time)27
Home fires, CY20243
Fires, no RC notification1
Bridge assistance · DRO 220-25—
Major-donor giving · 3-yr—
Wayne County · sources: Red Cross demographics 2023, United Way ALICE, FEMA NRI & declarations, FLARE CY2024.
County Deep Dive
Stewart County
13,740
People
$54,243
Median HH income
42.8%
Combined ALICE + poverty
Very Low
FEMA NRI risk
People & economy
Median age45.8
ALICE households1,455
Poverty households758
Risk & response
Expected annual loss$6.8M
Social vulnerability (SVI)38.9%
FEMA declarations (all time)23
Home fires, CY20247
Fires, no RC notification5
Bridge assistance · DRO 220-25—
Major-donor giving · 3-yr—
Stewart County · sources: Red Cross demographics 2023, United Way ALICE, FEMA NRI & declarations, FLARE CY2024.
County Deep Dive
Lewis County
12,924
People
$46,814
Median HH income
52.2%
Combined ALICE + poverty
Very Low
FEMA NRI risk
People & economy
Median age44.7
ALICE households1,712
Poverty households976
Risk & response
Expected annual loss$5.4M
Social vulnerability (SVI)52.9%
FEMA declarations (all time)24
Home fires, CY20249
Fires, no RC notification5
Bridge assistance · DRO 220-25—
Major-donor giving · 3-yr—
Lewis County · sources: Red Cross demographics 2023, United Way ALICE, FEMA NRI & declarations, FLARE CY2024.
County Deep Dive
Perry County
8,580
People
$53,869
Median HH income
51.1%
Combined ALICE + poverty
Very Low
FEMA NRI risk
People & economy
Median age44.8
ALICE households1,070
Poverty households483
Risk & response
Expected annual loss$6.9M
Social vulnerability (SVI)46.8%
FEMA declarations (all time)24
Home fires, CY20241
Fires, no RC notification0
Bridge assistance · DRO 220-25—
Major-donor giving · 3-yr—
Perry County · sources: Red Cross demographics 2023, United Way ALICE, FEMA NRI & declarations, FLARE CY2024.
County Deep Dive
Houston County
8,278
People
$48,124
Median HH income
48.5%
Combined ALICE + poverty
Very Low
FEMA NRI risk
People & economy
Median age45.1
ALICE households1,032
Poverty households515
Risk & response
Expected annual loss$5.2M
Social vulnerability (SVI)38.5%
FEMA declarations (all time)28
Home fires, CY202410
Fires, no RC notification0
Bridge assistance · DRO 220-25—
Major-donor giving · 3-yr—
Houston 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 |
| lives_saved | Lives_Saved_Map_30_Apr_2026 (AGOL item ff313330…) | 2026 |
| 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 |
|---|---|---|---|---|---|---|
| Montgomery | 238,078 | 87,011 | 37.8% | Relatively Moderate | $77.8M | 85 |
| Maury | 109,982 | 43,859 | 40.3% | Relatively Low | $46.2M | 22 |
| Dickson | 56,283 | 22,012 | 42.7% | Relatively Low | $18.8M | 9 |
| Lawrence | 45,058 | 17,504 | 49.7% | Relatively Low | $22.3M | 18 |
| Giles | 30,710 | 12,558 | 43.9% | Relatively Low | $17.6M | 18 |
| Hickman | 25,347 | 9,452 | 50.2% | Relatively Low | $12.7M | 12 |
| Humphreys | 19,035 | 7,652 | 49.0% | Relatively Low | $12.6M | 8 |
| Wayne | 16,127 | 6,013 | 54.0% | Relatively Low | $9.4M | 3 |
| Stewart | 13,740 | 5,524 | 42.8% | Very Low | $6.8M | 7 |
| Lewis | 12,924 | 5,243 | 52.2% | Very Low | $5.4M | 9 |
| Perry | 8,580 | 3,522 | 51.1% | Very Low | $6.9M | 1 |
| Houston | 8,278 | 3,324 | 48.5% | Very Low | $5.2M | 10 |
One row per county. Combined hardship = poverty + ALICE households. Fires = FLARE CY2024.