You’ll need to have Static NPCs turned on when you generate the world, then go to the console in the starting shelter and it can point you to a refugee center where you’ll find the NPCs.
Oh, faction camps, yeah, sorry, waiting for the caffeine to kick in.
For that, you’ll need two NPC companions and a big empty field somewhere, preferably not too many tiles away from a forest and a source of water. Fields inside a ranch or whatever won’t work, but you can have your NPCs clear forest tiles to make them into fields.
Just take your NPCs out into the center of the field and talk to them, the option should come up.