| Executive Summary | 9 |
| Chapter 1. Introduction & Planning Elements | 13 |
| Chapter 2. Spencer History | 16 |
| Places Promoting & Preserving Spencer's History | 18 |
| Historical Places in Spencer | 19 |
| Chapter 3. Planning Background & Public Input | 20 |
| Background of Comprehensive Planning in Spencer | 20 |
| Public Participation and Input | 20 |
| Spencer Targeted Planning Survey Analysis | 25 |
| Chapter 4. Physical Fetuers & Natural Resources | 32 |
| Geographic Location | 32 |
| Climate | 34 |
| Topography and Landforms | 35 |
| Soils | 36 |
| Aquifiers and Groundwater | 38 |
| Storm Water Management | 38 |
| Chapter 5. Natural Hazards & Mitigation Actions | 40 |
| Hazard Mitigation Enabling Laws and Regulations | 41 |
| Identification of Natural Hazards | 41 |
| Hazard Mitigation Risk Assessment Results | 42 |
| Hazard Mitigation Actions | 43 |
| Plan Maintenance | 44 |
| Monitoring | 45 |
| Incorporation into Existing Plans | 45 |
| Emergency Management Services | 45 |
| Floodplain Mapping | 45 |
| Chapter 6. Community Trends | 47 |
| Historic Population Trends | 47 |
| Current Population Structure | 48 |
| Future Population Projections | 50 |
| Housing Trends | 52 |
| Age of Housing | 53 |
| Housing Valuation | 54 |
| Future Housing Needs | 55 |
| Residential Building Permits | 56 |
| Occupancy Conditions | 57 |
| Multifamily Housing | 58 |
| Spencer Affordable Housing | 60 |
| Chapter 7. City Character & Public Services | 61 |
| Spencer City Hall | 61 |
| Police Department | 61 |
| Fire Department | 62 |
| Spencer Ambulance Service | 62 |
| Healthcare Services | 63 |
| Clay County Courthouse | 67 |
| Northwest Iowa Planning & Development Commission | 68 |
| Clay County Fair | 68 |
| Clay County Regional Events Center | 69 |
| Spencer Community Theatre | 69 |
| Spencer Public Library | 70 |
| Spencer Area Activity Center (SAAC) | 70 |
| Parker Historical Society | 71 |
| Religious Opportunities | 71 |
| Community Clubs & Non-Profit Service Organizations | 72 |
| Community Celebrations & Special Events | 73 |
| An Artistic Identity & Cultural Community | 74 |
| Chapter 8. Education | 78 |
| Spencer Community Schools | 78 |
| Sacred Heart Catholic School | 82 |
| Iowa Great Lakes Luthern School | 82 |
| Iowa Lakes Community College | 82 |
| Educational Attainment of Spencer Residents | 83 |
| Chapter 9. Occupational & Employment Diversity | 84 |
| Employment | 84 |
| Labor Force Trends | 85 |
| Commuting Patterns | 86 |
| Employment by Industry | 86 |
| Major Employers in Spencer | 87 |
| Occupational Employment Projections | 88 |
| Chapter 10. Economic Development Trends | 89 |
| Wages & Income Distribution | 89 |
| Retail Trade Analysis | 91 |
| Pull Factor | 93 |
| Trade Capture Area | 94 |
| Spencer Chamber of Commerce | 95 |
| Iowa Lakes Corridor Development Corp (Regional Economic Development) | 96 |
| Spencer Economic Development Incentive Programs & Opportunities | 98 |
| Chapter 11. Infrastructure, Utilities & Planning | 101 |
| Spencer Infrastructure & Utilities | 101 |
| Spencer Public Works | 103 |
| Spencer Municipal Utilities (SMU) | 105 |
| Solid Waste Collection & Recycling | 106 |
| Northern Plains Regional Landfill | 107 |
| Spencer Planning & Zoning Services | 108 |
| Chapter 12. Transportation Diversity | 110 |
| Transportation & Logistics | 110 |
| Traffic Flow | 110 |
| Street Classifications | 114 |
| Spencer East & West Beltways | 116 |
| Railroad Services | 117 |
| Farm to Market Road System | 117 |
| Public Transportation Services | 118 |
| Northwest Iowa Regional Airport | 118 |
| Chapter 13. Parks & Recreation | 120 |
| Spencer City Parks | 121 |
| Spencer Neighborhood Parks | 124 |
| Nature & Wildlife Areas in & Near Spencer | 126 |
| Spencer Recreation Uses & Activities | 128 |
| Spencer Trails | 132 |
| Spencer Parks & Recreation Master Plan | 134 |
| Chapter 14. Planning Goals & Land Use Policies | 136 |
| Land Use Definitions | 137 |
| Overall Goal of the Comprehensive Plan | 138 |
| General Land Use Development Objectives | 138 |
| Land Use Characteristics & Community Growth Trends | 139 |
| Future Land Use Planning & Implementation Policies | 144 |
| Agricultural, Conservation & Undeveloped Land Uses | 145 |
| Population, Housing & Residential Land Uses | 147 |
| Commerical & Retail Land Uses | 150 |
| Industiral Land Uses & Economic Development | 153 |
| Public & Civic Land Use & Community Facilities | 156 |
| Parks & Recreation Land Uses | 158 |
| Transportation, Infrastructure & Utility Land Uses | 161 |
| Chapter 15. Additional Development Issues | 164 |
| Annexation | 164 |
| Zoning in Spencer | 168 |
| Extraterritorial Zoning & Land Use | 169 |
| Smart Growth Principals | 170 |
| Low Impact Development & Best Management Practices | 172 |
| Chapter 16. Plan Implementation | 175 |
| Strategic Plan | 176 |
| Updating Control Ordinances & Capital Improvements Planning | 176 |
| Comprehensive Plan Implementation Strategies | 177 |
| Cited References and Information Sources | 179 |
| Referenced Website Resources | 180 |
| Figures | 7 |
| Figure 1 - Map of Grand Avenue Historic Buildings | 20 |
| Figure 2 - Spencer Location Maps | 33 |
| Figure 3 - Climate Patterns for Spencer Area | 34 |
| Figure 4 - Topography Map of Iowa | 35 |
| Figure 5 - Landform Regions of Iowa | 36 |
| Figure 6 - Soil Associations Map in & around Spencer | 37 |
| Firgure 7 - Map of Dakota Aquifer in Iowa & the Jordan Aquifier in Iowa | 38 |
| Figure 8 - FEMA Floodplain Map for Spencer | 46 |
| Figure 9 - Historic Population Trends for Spencer | 48 |
| Figure 10 - Age Distribution of 2010 Population for Spencer, Clay County & Iowa | 49 |
| Figure 11 - Age Distribution Pyramid for Spencer & Clay County, 2010 | 49 |
| Figure 12 - Population Projections, 2020-2050 | 51 |
| Figure 13- Age of Housing for Spencer, Clay County & Iowa | 53 |
| Figure 14 - Comparative Years Housing Units Were Built | 53 |
| Figure 15 - Valutaiton of Homes, 2000, 2010 & 2013 in Spencer | 54 |
| Figure 16 - Median Housing Value | 55 |
| Figure 17 - Residential Housing Building Permits in Spencer, 2005-2014 | 57 |
| Figure 19 - Spencer Community School District Map | 80 |
| Figure 20 - 2010-15 Spencer School District Enrollment & 2016-2020 Projections | 81 |
| Figure 21 - 2010-15 Comparative School District Enrollment for Spencer & Six Other Cities | 81 |
| Figure 22 - Educational Attainment of Spencer, Clay County & Iowa Residents, 2014 | 83 |
| Figure 23 - Unemployment Rates for Clay County, Iowa & U.S., 2005-2016 | 84 |
| Figure 24 - Labor Force Trends in Clay County, 2006-2016 | 166 |
| Figure 25 - Spencer Commuting Methods | 86 |
| Figure 26 - Employment by Industrial Sector, City of Spencer | 86 |
| Figure 27 - Employment by Industrial Sector, Clay County | 87 |
| Figure 28 - Comparative MEdian Household & Family Income | 90 |
| Figure 29 - Total Taxable Retail Sales in Spencer, FY07-FY16 | 92 |
| Figure 30 - Region Map showing Total Taxable Retail Sales for area cities | 93 |
| Figure 31 - Region Map showing the Pull Factor for area cities | 94 |
| Figure 32 - Map of the Iowa Lakes Corridor Development Corp. Service Area | 97 |
| Figure 33 - Spencer TIF Districts Boundaries Map | 99 |
| Figure 34 - Spencer FY2018-2022 CIP Plan | 104 |
| Figure 35 - Regional Locaiton Map Showing Spencer's Presence in teh Midwest | 110 |
| Figure 36 - IDOT Traffic Flow Map, 2015 | 111 |
| Figure 37 - IDOT Federal Functional Classification Map | 115 |
| Figure 38 - Spencer Transportation Map - East & West Beltways | 116 |
| Figure 39 - Detail from the IDOT Iowa Railroad Map, 2016 | 117 |
| Figure 40 - IDOT Farm-to-Market Road Map | 117 |
| Figure 41 - Layout of the Northwest Iowa Regional Airport in Spencer | 119 |
| Figure 42 - Leach Park Campground Map | 129 |
| Figure 43 - Spencer Trails Map | 133 |
| Figure 44 - Spencer to Iowa Great Lakes Trail Connection Map, 2016 | 134 |
| Figure 45 - Spencer Parks & Recreation Master Plan | 135 |
| Figure 46 - Land Use Composition for Spencer | 140 |
| Figure 47 - Land Use Composition for Developed Land in Spencer | 141 |
| Figure 48 - Smart Growth Chart | 171 |
| Tables | 8 |
| Table 1 - Hazard Rish Assessment Results | 43 |
| Table 2 - Historic Population Trends, City of Spencer | 48 |
| Table 3 - Projected Population for Spencer, 2020-2050 | 50 |
| Table 4 - Spencer Housing Valuations, 2000, 2010 & 2013 | 54 |
| Table 5 - Projected Housing units Needed in 2020, 2030 & 2040 | 56 |
| Table 6 - 2005-2014 Residential Building Permits, New Dwelling Built & Valuation of Housing | 57 |
| Table 7 - Occupied Housing Units in Spencer, Clay Co. & Iowa | 57 |
| Table 8 - 2010-2015 Spencer Community School District Enrollments & Projected Enrollment | 80 |
| Table 9 - 2016 Clay County Unemployment Rates by Month | 85 |
| Table 10 - Spencer's Largest Employers (More then 50+ employees) | 87 |
| Table 11 - Iowa Workforce Development Region 3-4 Employment Projects | 88 |
| Table 12 - Household, Family & Per Capita Income, Spencer, Clay Co. & Iowa | 89 |
| Table 13 - Household & Family Income Comparison of Spencer & other cities | 90 |
| Table 14 - Iowa Workforce Development Wage Survey for Region 3-4 | 91 |
| Table 15 - Number of Retail Firms v. Constant Sales per firm, Spencer | 91 |
| Table 16 - Retail Trade Overview for Spencer, 2010-2016 | 92 |
| Table 17 - Trade Area Capture analysis for Spencer | 95 |
| Table 18 - Spencer Infrastructure & Utilities | 101 |
| Table 19 - Exisitng Land Use Composition of Spencer | 140 |
| Table 20 - Land Use Composition of Developed Land in Spencer | 141 |
| Maps | 166 |
| 166 |
| Maps | 8 |
| Spencer Community Facilities Map | 77 |
| Spencer Parks, Trails & Recreation Map | 127 |
| Spencer Exiting Land Use Map | 142 |
| Spencer Future Land Use Map | 143 |
| Spencer Comprehensive Plan Annexation MAp | 166 |