Senator Smith knows that without a safe, affordable place to live, nothing else in your life works. Not your job, your health, your family, or your education.
All Minnesotans deserve access to safe, secure, and stable housing. That is why Sen. Smith is committed to addressing the housing crisis happening in Minnesota and across the country. In the Senate, Senator Smith is recognized as a leading voice in proposing policy solutions to fix the affordable housing crisis. She is the top Democrat on the Housing, Transportation and Community Development Subcommittee, and in that role has held numerous hearings and proposed many bills aimed at addressing homelessness, boosting the supply of housing, investing in rural and senior housing, eliminating health and safety hazards in homes, and fighting against private equity and other bad actors pushing up the cost of housing.
Sen. Smith understands that renters are struggling to find units they can afford, homeownership is increasingly out of reach, and homelessness is on the rise. Unstable housing upends young people’s ability to learn in school, makes it hard for parents to hold down jobs, and has long-lasting, negative mental and physical health impacts.
While the lack of quality, affordable housing affects all communities, Black and Native individuals, other people of color in Minnesota, seniors, veterans and rural communities, often face disproportionately difficult housing challenges. As a member of the Senate Committee on Indian Affairs, Sen. Smith has been a champion for addressing the housing inequities that Native Americans and Tribal Nations face. In 2020, two of her bills related to Native housing became law: the Tribal Access to Homeless Assistance Act and the Native American Housing Affordability Act, which make it easier for Tribes to access funds to combat homelessness and secure mortgages on trust lands, respectively.
Sen. Smith believes it is important to both make improvements to existing programs and propose new, bold solutions. As a member of the Senate Committee on Banking, Housing and Urban Affairs, she has introduced legislation to improve fire safety in homes, support homebuyers in Native communities and address the legacy of housing discrimination. Her bipartisan Rural Housing Service Reform Act would make important updates to USDA’s housing programs and protect properties in Minnesota’s rural communities from losing their affordability. She co-leads the bipartisan Reducing Homelessness Through Program Reform Act that would cut red tape and streamline federal homelessness programs to help house people faster and more efficiently. Additionally, Sen. Smith’s Housing for All Veterans Act would permanently prevent and end veteran homelessness across the country. And her Homes Act would give millions of Americans the freedom and opportunity to build the life they want by creating over a million permanently affordable homes.
Senator Smith will continue to fight for measures like these until they become law because she believes everyone deserves a safe, affordable place to live.
Latest Releases
U.S. Senator Tina Smith’s Bipartisan Legislation to Extend Terrorism Risk Insurance, Support Housing Construction Passes Banking Committee
Roughly 60 percent of American businesses have terrorism risk insurance, which is critical to major construction projects WASHINGTON, D.C. – U.S. Senator Tina Smith’s bipartisan legislation to safeguard the availability of terrorism risk insurance coverage passed the Senate Banking Committee by a unanimous vote. Roughly 60 percent of American businesses have terrorism risk insurance, which could become unavailable without action by Congress. Sen. Smith (D-MN) leads the Terrorism Risk Insurance Program Reauthorization Act of 2026 alongside Senators Dave McCormick (R-PA), Ruben Gallego (D-AZ), and Thom Tillis (R-NC). Following the attacks on September 11, 2001, many insurance companies began excluding terrorism risks from commercial insurance policies, leaving businesses and industries without access to coverage. Since insurance is a precondition for commercial lending and real estate transactions, this gap in coverage threatened broad economic damage across real estate, construction, energy, transportation, and related industries. Congress responded by passing the Terrorism Risk Insurance Act of 2002 (TRIA), creating a federal reinsurance backstop to stabilize the private market and ensure that commercial policyholders could continue to obtain terrorism risk coverage. The private insurance market has relied on the TRIA backstop ever since. When TRIA briefly lapsed in December 2014, terrorism exclusions that insurers had pre-filed with state regulators took effect automatically, making terrorism coverage effectively unavailable across commercial policies nationwide. As a result, terrorism risk coverage was removed from policyholders immediately and without notice. Given that the current threat landscape remains elevated, allowing a similar lapse in terrorism coverage would expose policy holders to unnecessary financial risk and uncertainty. “Without
U.S. SENATOR TINA SMITH’S BIPARTISAN RURAL HOUSING SUPPLY LEGISLATION BECOMES LAW
9,000 homes in rural Minnesota will be saved by Smith’s bill MINNEAPOLIS, MN – U.S. Senator Tina Smith (D-MN), the top Democrat on the Senate Housing Subcommittee, announced her major bipartisan bill to preserve 400,000 rural homes across the country became law today. Smith’s Rural Housing Service Reform Act was included in a housing supply package that passed the House and Senate with veto-proof majorities. President Trump refused to sign the bill, but because he did not veto the legislation outright it automatically became law after 10 days of Presidential inaction. “Without a safe, affordable place to live, nothing in your life works. Not your health, not your job, and not your education,” said Senator Smith. “The lack of affordable, decent housing in this country has been a major problem for working families for years, but with the 21st Century Road to Housing Act becoming law, we’re choosing a different path: Build more housing and protect the homes we already have from falling into disrepair. I am so proud that language I wrote to reform the Rural Housing Service and save thousands of affordable homes in rural communities is now law.” Senator Smith’s bipartisan Rural Housing Service Reform Act would preserve up to 400,000 affordable homes in small towns and rural communities across the country, and more than 9,000 units in Minnesota, by making commonsense updates to programs at the USDA’s Rural Housing Service for the first time in decades. In addition to Senator Smith’s Rural Housing Service Reform Act, the package included a number of bills Senator Smith cosponsored and supported, including: The 21st Century ROAD to Housing Act doesn’t just boost housing supply. The legislation also addresses big corporations’ stranglehold on America’s housing market by banning large institutional investors
U.S. Senator Tina Smith Releases New Report on Solutions to the Home Insurance Crisis
WASHINGTON – Today, U.S. Senator Tina Smith (D-MN), the lead Democrat on the Senate Housing Subcommittee, released a new report, Bold Solutions to the Home Insurance Crisis. It examines the nationwide crisis of rising home insurance costs, the role of climate-change-driven extreme
Smith, Klobuchar Urge HHS to Release LIHEAP Funding
WASHINGTON — U.S. Senators Tina Smith and Amy Klobuchar (both D-MN) are urging the Department of Health and Human Services to release the remaining FY26
U.S. Senator Tina Smith’s Statement on Attorney General Ellison’s Settlement with Nation’s Largest Landlord for Artificially Inflating Rental Prices
MINNEAPOLIS, MN – Today, U.S. Senator Tina Smith (D-MN), top Democrat on the Senate Housing Subcommittee, released the following statement after Minnesota Attorney General Keith
U.S. Senator Tina Smith Leads Fight Against Trump Administration’s Cuts to Housing for Formerly Homeless Minnesotans
MINNEAPOLIS, MN — U.S. Senator Tina Smith (D-MN) led 41 of her colleagues in calling on the Trump Administration to immediately halt plans to cut