Housing

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. Senators Amy Klobuchar, Tina Smith Push the Trump Administration to Release Heating Assistance Funds Before Winter

More than 100,000 Minnesota households relied on federal energy assistance last winter WASHINGTON, D.C. – U.S. Senators Amy Klobuchar and Tina Smith (both D-MN) and several colleagues are leading a bipartisan push for the federal government to release energy assistance funding as quickly as possible, helping families stay safe and warm as our weather cools and energy costs spike. More than 100,000 Minnesota households relied on the Low-Income Heating Assistance Program (LIHEAP) last winter. Nationwide, an estimated 6 million households received assistance with heating and cooling costs through LIHEAP over the last year. Demand for assistance is expected to increase as the average family will likely spend around $1,030 to heat their homes this winter, an 8.7% increase from last year. Heating oil costs are projected to soar by 31% this winter. “In Minnesota, heating your home isn’t a luxury, it’s a necessity,” said Sen. Klobuchar. “With colder weather on the horizon, families shouldn’t have to choose between staying warm and putting food on the table.” “Mother Nature doesn’t play politics, and we shouldn’t either,” said Sen. Smith. “No one in Minnesota or across the country should have to choose between turning on the heat or paying for their medications or groceries.” Sens. Klobuchar and Smith, along with 27 of their colleagues from both parties, sent a letter requesting the Department of Health and Human Services release the roughly $4 billion in federal LIHEAP funds before winter home-heating bills arrive. Last year, President Trump fired staff working to deliver LIHEAP benefits, slowing the process of

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

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