Try:
Symptom: KTM's with message on exit: 'Script error in .../descr_strat.txt, at line xxx, column x. You have chosen an invalid tile(0,0)for the settlement of
If line xxx is the bottom of the descr_strat file and the settlement name is not specified.

* Pixels on map_regions.tga of a colour that do not belong to any region colour specified in descr_regions.txt - watch out for merged colours when editing map_regions.tga as that is usual cause.
from the map loading problem thread
https://forums.totalwar.org/vb/showthread.php?t=85902