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Spinone al Lago: 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 Spinone al Lago

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 Nazionale 1, Spinone al Lago.

Spinone al Lago, on the shore of Lake Endine

Lake Endine, a long, narrow stretch of water in the middle of the Val Cavallina, gives both its name and its character to Spinone al Lago, a small municipality in the province of Bergamo on its shore, at around 360 metres. The village lies between the water and wooded slopes, and the SS42 main road runs along the valley, linking it with Bergamo in one direction and Lake Iseo in the other.

For buyers the road is the first thing to consider: it takes you into the city by car, but at rush hour and on summer weekends traffic in the valley is noticeable, and houses facing the road feel it most. On the market you will find detached houses, flats in small blocks and homes with lake views, some used as second homes. The climate zone is E, with cold winters and some fog over the lake.

There were 991 residents in 2023, down 4.5% since 2011. The average age is 46.6, against 45.2 in the province, and over-65s make up 23.9%. Foreign residents are 8.3%. Declared incomes are slightly below the average for the province of Bergamo.

Like all 243 municipalities in the province, Spinone al Lago is in seismic zone 3, with an expected ground acceleration of 0.115 g. For a house on the lakeshore, damp, foundations close to the water and the state of the systems matter more than earthquakes.

Revenue Agency (Agenzia delle Entrate) cadastral maps cover the municipality, and the report finds the plot from the address. Between the lakeshore and the slopes, the official flood and landslide maps should be checked for the individual house, together with the local price band.

Key points

  • Small municipality on the shore of Lake Endine, in the Val Cavallina.
  • SS42 road to Bergamo: check rush-hour traffic.
  • 991 residents in 2023, foreign residents 8.3%.
  • All 243 municipalities in the province in seismic zone 3.

Overview

Spinone al Lago is a municipality in the province of Bergamo, in Lombardia. At the end of 2023 it had 991 residents, ranked 185 of 243 municipalities in the province.

Earthquakes

For Italy's Civil Protection Department, Spinone al Lago 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 0.115 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 fallen by 4.5%. The estimated average age is 47 years, in line with the province. 24% of residents are over 65 (the regional figure is 24%). Foreign residents make up 8.3% of the population. On average, a household has 2.2 members.

Income and climate

In tax year 2024, taxpayers in Spinone al Lago declared an average taxable income of 24,957 euros, below the provincial average (26,939 euros). The Italian average is 24,895 euros.

Spinone al Lago is in climate zone E, with 2,581 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 360 metres above sea level.

Services

In the official Ministry of Education and Ministry of Health lists, Spinone al Lago has 1 school and 1 pharmacy. The Overture Maps data also lists 1 green area.

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 Spinone al Lago.

How built-up it is

Buildings, roads, car parks and other sealed surfaces cover 16.9% of the land in Spinone al Lago, 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

Spinone al Lago 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 Spinone al Lago.

Landslides and flooding

Landslide and flood hazard changes from one street to the next even within Spinone al Lago: 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 Spinone al Lago 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 9 inhabited census areas in Spinone al Lago. Half of the residents live in areas scoring 61 or more.

Residents by band

  • modest 0.6%
  • fair 99.4%

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 016205. The text on this page is generated automatically from the data.