Skip to content
Vicinalia
Italiano Sign up

Berzo San Fermo: what to know before buying a home

A municipality in the province of Bergamo, Lombardia. Official data on earthquakes, population, services and transport.

Liveability index free for any address

Search for an address in Berzo San Fermo

The report looks at the exact point: landslide and flood risk, seismic zone, price per square metre for the area, services and nearby stops.

For example: Via Vittorio Veneto 3, Berzo San Fermo.

Berzo San Fermo, on the slopes of the Val Cavallina

The Val Cavallina climbs from Bergamo towards Lake Endine along the Cherio river, and Berzo San Fermo occupies a stretch of its hillside, with the village at around 350 metres and woods rising behind it. The main road linking the city with the lake and Lovere runs along the valley floor, and over the years houses, workshops and businesses have lined up beside it.

For people working in Bergamo or for firms in the valley, it is a place you drive to and from every day. The housing stock is a mix of homes in the older cores, often terraced and set round inner courtyards, and newer detached houses and small blocks of flats on the edge of the village. On the slope, check the gradient of the plot, car access and how much winter sun the house gets.

The population is growing. Istat, the national statistics office, counted 1,397 residents in 2023, 7.6% more than the 1,298 of 2011. Households average 2.56 people, the average age is 42.6 against 45.2 for the province, and foreign residents make up 12.5%. Declared incomes are below the Bergamo average.

All 243 municipalities in the province of Bergamo are in seismic zone 3; in Berzo the expected ground acceleration in the built-up area is 0.124 g. Before buying a house built in the 1970s or 1980s, ask for the structural design and the inspection certificate.

The streams running down the slopes to the Cherio are what to check for landslides and flooding, on the official maps and for the individual address. The Revenue Agency (Agenzia delle Entrate) publishes cadastral maps for the municipality, so the report traces the address back to its land parcel.

Key points

  • Val Cavallina hillside, between Bergamo and Lake Endine.
  • Population up 7.6% since 2011.
  • Average age 42.6, younger than the province.
  • All 243 municipalities in the province in seismic zone 3.

Overview

Berzo San Fermo is a municipality in the province of Bergamo, in Lombardia. At the end of 2023 it had 1,397 residents, ranked 166 of 243 municipalities in the province.

Earthquakes

For Italy's Civil Protection Department, Berzo San Fermo is in seismic zone 3, a zone where strong earthquakes are possible but rare. All 243 municipalities in the province are in the same zone.

In the built-up area, the expected ground shaking (peak ground acceleration, PGA) is about 0.124 g, a moderate value: the level with a 10% probability of being exceeded in 50 years, on rock.

Even in zone 3, seismic standards apply to new buildings: for an older building, ask about the design year and any structural work.

Population

Compared with the 2011 census, the resident population has grown by 7.6%. The estimated average age is 43 years, lower than the province average (45). 21% of residents are over 65 (the regional figure is 24%). Foreign residents make up 12.5% of the population. On average, a household has 2.6 members.

Income and climate

In tax year 2024, taxpayers in Berzo San Fermo declared an average taxable income of 21,930 euros, below the provincial average (26,939 euros). The Italian average is 24,895 euros.

Berzo San Fermo is in climate zone E, with 2,497 heating degree days: heating may be switched on from 15 October to 15 April, for up to 14 hours a day. The same table puts the town hall at 350 metres above sea level.

Services

In the official Ministry of Education and Ministry of Health lists, Berzo San Fermo has 2 schools and 1 pharmacy.

The data shows no grocery shops and supermarkets within the municipality, against a provincial average of 0.5 per 1,000 residents.

Public transport

The open timetables available for the area do not list any stops within the territory of Berzo San Fermo.

How built-up it is

Buildings, roads, car parks and other sealed surfaces cover 6.2% of the land in Berzo San Fermo, compared with 12.0% in the province and 12.2% in the region. In 2024 built-up land stayed almost the same.

Radon and contaminated sites

Berzo San Fermo is not among the radon priority areas designated by the Regione Lombardia in 2023. Radon varies from building to building and can only be known by measuring it, especially on ground floors and in basements.

Official databases list no contaminated sites in Berzo San Fermo.

Landslides and flooding

Landslide and flood hazard changes from one street to the next even within Berzo San Fermo: the report checks the address against the ISPRA maps.

House prices

The Revenue Agency's price ranges per square metre (OMI) apply to zones, not to whole municipalities: the report gives the range for the address's zone.

Land registry

The cadastral maps for Berzo San Fermo are public: from the address the report finds the sheet and parcel number.

Liveability area by area

The Vicinalia liveability index runs from 0 to 100 and looks at the place, not the people who live there: services within walking distance, transport, green space, natural hazards, air, quiet, buildings and connection. Here it is worked out at the centre of each of the 16 inhabited census areas in Berzo San Fermo. Half of the residents live in areas scoring 61 or more.

Residents by band

  • fair 95.1%
  • good 4.9%

Vicinalia index by census area, licence CC BY-SA 4.0. Data: IdroGEO ISPRA (2026), Istat, INGV, EEA, AGCOM, Overture Maps and OpenStreetMap.

The colour is the value at the centre of the area. For an exact address, search for it above: the free check looks at that exact point. How the index is worked out

Data sources

ISTAT code 016025. The text on this page is generated automatically from the data.