Settlements can only be founded within your [[kingdom]]. On the [[wild server]], this might require building [[guard tower]]s.
The settlement is usually centered on the settlement token, and covers its size in tiles in every direction. A size 10 settlement thus covers a 21x21 square (10 + 1 + 10). This area includes the tile borders' "outside" the outermost tiles.
If the founding tile of the settlement has a house or fences, the token is moved to a random spot away from them. The deed borders do not move with it.