Mary Ridgeway is a lifelong resident of Tompkinsville, a location situated between Newburg and Rock Point. She is the daughter of Emma M. Jackson and Sankston Walter Jackson, and she grew up in a family of six children, with three brothers and two sisters. Her father was a farmer and a skilled carpenter who also worked the river, while her mother was a homemaker. Ridgeway graduated from high school at the age of sixteen and soon after began working at an oyster house at Rock Point, which was established by Mr. Coulby.