There are a lot of special achievements in "Frost Age 2", and settlers are one of them. To do this achievement, you only need to build three colony areas. Colonial construction is very troublesome. Story mode In it you can build a colony for an exiled faction, otherwise you can only do this in endless mode.
How to get the settler achievement in Frostpunk 2
Settlers
Build 3 colonies
Location: Story or Utopia Builder
You can usually get this reward by completing a game in Story Mode or Utopia Builder, as you need colonies to support your main city.
However in story mode you need to build a colony for an exiled faction (Chapter 5 in the story)
Settler
Set up 3 colonies
Location: Story or Utopia Builder
If you open up a Colony for a Banished faction (Chapter 5 in story) then you'll unlock it in Story.
Otherwise you can always do it in Utopia Building.