Tervo is a municipality of Finland. It is located in the province of Eastern Finland and is part of the Northern Savoniaregion. The municipality has a population of 1,412 (31 December 2023),[2] making it Northern Savonia's least populous municipality. It covers an area of 494.30 square kilometres (190.85 sq mi) of which 146.52 km2 (56.57 sq mi) is water.[1] The population density is 4.06 inhabitants per square kilometre (10.5/sq mi).