Smith was born in Baltimore, Maryland, a descendant of Francis Hopkinson, one of the signers of the Declaration of Independence. He graduated from the Boys' Latin School of Maryland.
Smith became a contractor in New York City and did much work for the federal government, including the stone ice-breaker at Bridgeport, Connecticut, the jetties at the mouth of the Connecticut River, the foundation for the Bartholdi Statue of Liberty in New York Harbor, the Race Rock Lighthouse (southwest of Fishers Island, New York) and many life-saving stations. His vacations were spent sketching in the White Mountains, in Cuba and in Mexico. He also visited and sketched in Venice, Constantinople and the Netherlands.
His first popular book was Col. Carter of Cartersville (1891). His 1896 novel Tom Grogan. and 1898 novel Caleb West, were each the best selling book in the United States in the year of their release.