Tervo is a municipality of Finland. It is located in the province of Eastern Finland and is part of the Northern Savonia region. The municipality has a population of 1,408 (31 August 2024), 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. The population density is 4.05 inhabitants per square kilometre (10.5/sq mi).
Neighbouring municipalities are Keitele, Kuopio, Maaninka, Pielavesi, Rautalampi, Suonenjoki, and Vesanto. 30% of its area is covered by water. Summer cottages are as prevalent as households. The municipality is unilingually Finnish.
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