I'm aware of that the City of Concord is currently in ruins. But was it in ruins 20 years ago too? When this invasion started exactly? Based on the lore: "In recent years, the Undead scourge has mysteriously risen yet again, and with devastating force much of the island has been claimed." I assumed it would be okay if my character spent his childhood there. Is that not?
You could have spent your childhood there. My character is 34 and grew up in Concord until around 19-20.