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Civo: what to know before buying a home

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

Liveability index free for any address

Search for an address in Civo

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: Frazione Santa Croce 1, Civo.

Civo, hamlets on the sunny side of lower Valtellina

Civo is a group of hamlets spread across the south-facing slope of lower Valtellina, among terraces, meadows and woods, at heights ranging from the lower slopes up into the mountains. The town hall stands at about 700 metres. Facing south means sunshine even in winter, a real advantage if you want a bright house.

The main road and the railway linking Sondrio with Lecco and Milan run along the valley floor, and Morbegno is the town for shops, schools and services. From the higher hamlets you drive down on mountain roads with hairpin bends. Buyers find old stone farmhouses, many of them renovated, and newer small villas; declared incomes are slightly below the provincial average. The climate zone is F, the coldest.

The population is stable: 1,108 residents in 2023, down just 0.5% on 2011. The average age (47.7) and the share of over-65s (25.8%) are close to the figures for the province of Sondrio, where the average age is 46.8. Foreign nationals are 3.0%.

The municipality is in seismic zone 3, like 63 other municipalities in the province, with a low expected ground acceleration of 0.053 g. In the mountains, snow, roofs and the retaining walls of the terraces matter more.

The Revenue Agency (Agenzia delle Entrate) publishes cadastral maps, and the report traces the address to its land parcel. On a steep slope, gradient, landslides and avalanches where mapped vary from one hamlet to the next: they are read for the address on the official maps.

Key points

  • Hamlets on the sunny side of lower Valtellina.
  • Population almost stable since 2011, down 0.5%.
  • Seismic zone 3, expected acceleration 0.053 g.
  • Morbegno and the railway on the valley floor, climate zone F.

Overview

Civo is a municipality in the province of Sondrio, in Lombardia. At the end of 2023 it had 1,108 residents, ranked 44 of 77 municipalities in the province.

Earthquakes

For Italy's Civil Protection Department, Civo is in seismic zone 3, a zone where strong earthquakes are possible but rare. Most municipalities in the province (64 of 77) are in the same zone.

In the built-up area, the expected ground shaking (peak ground acceleration, PGA) is about 0.053 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 number of residents is nearly unchanged. The estimated average age is 48 years, in line with the province. 26% of residents are over 65 (the regional figure is 24%). Foreign residents make up 3.0% of the population. On average, a household has 2.1 members.

Income and climate

In tax year 2024, taxpayers in Civo declared an average taxable income of 21,658 euros, below the provincial average (23,822 euros). The Italian average is 24,895 euros.

Civo is in climate zone F, with 3,091 heating degree days, with no limits on when heating may be used. The same table puts the town hall at 719 metres above sea level.

Services

In the official Ministry of Education and Ministry of Health lists, Civo has 2 schools and 1 pharmacy. The Overture Maps data also lists 3 sports facilities.

The data shows no grocery shops and supermarkets within the municipality, against a provincial average of 1.0 per 1,000 residents.

Public transport

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

How built-up it is

Buildings, roads, car parks and other sealed surfaces cover 3.6% of the land in Civo, compared with 2.7% in the province and 12.2% in the region. In 2024 built-up land stayed almost the same.

Radon and contaminated sites

Civo is not among the radon priority areas designated by the Regione Lombardia in 2023. According to the ISPRA map, the estimated radon emission in the municipality is medium. 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 Civo.

Landslides and flooding

Landslide and flood hazard changes from one street to the next even within Civo: 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 Civo 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 19 inhabited census areas in Civo. Half of the residents live in areas scoring 62 or more.

Residents by band

  • fair 85.8%
  • good 14.2%

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 014022. The text on this page is generated automatically from the data.