Only played 2 day, but i can confirm there are safe places in DayZ already. Once I strolled into the woods and could not find any zombie or player (or a way out) for 15 minutes. But I think your point is more to a social meeting place, like a clan or a village. From what i can see in DayZ, instead of movie style "refugee camp", There are normadic group that roam between town and gather what they can, and move on. Which makes sense, in an apocalypse there will be a very little chance to have a place that can shelter, feed and protect a larger number of people for a long enough period without getting raid. To put it simply, it IS apocalypse. A safe place or resources, choose one of them.