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I’m not convinced there are “unwinnable” settlements. They might be unwinnable for me at my current skill level, but there are people who play at Prestige 20 who I’m sure couldn’t possibly lose at the difficulty I’m playing at regardless of what RNG throws at them.
I encountered a settlement on Prestige 15 or so which had a base hostility at level 2… and a ~15% chance of villagers dying every couple of seconds starting at hostility level 2 during the storm, mitigated by access to services. First storm wiped out my town before I could really address anything 💀
Edit: But having played quite a bit this was a rare combination of bad effects