Loretta, Wisconsin is a small rural town located in Price County in the northern part of the state. The climate in Loretta is classified as continental, with cold winters and warm summers. The average temperature in winter ranges from 10°F to 25°F (-12°C to -4°C), while in summer, temperatures average between 65°F and 80°F (18°C to 27°C). The area experiences moderate precipitation throughout the year, with an average annual rainfall of about 30 inches (76 cm) and plentiful snowfall during winter months.

Loretta is surrounded by abundant natural beauty, with several lakes, rivers, and streams that contribute to its hydrology. The Flambeau River, one of Wisconsin's premier recreational waterways, flows near the town, offering opportunities for fishing, canoeing, and kayaking. The river is home to various fish species, including musky, smallmouth bass, and walleye.

Outdoor enthusiasts can also explore nearby national forests and state parks, such as Chequamegon-Nicolet National Forest and Copper Falls State Park. These areas provide opportunities for hiking, camping, birdwatching, and wildlife viewing.

Overall, Loretta, Wisconsin offers a serene and picturesque setting for those seeking outdoor recreational activities, surrounded by a diverse hydrology and a climate that showcases the beauty of all four seasons.