The five main factors that determine where people will settle are economy, environment, landforms, physical environment, and resources. These factors play a crucial role in influencing people's decisions on where to live and establish their communities. The economy determines the availability of jobs and economic opportunities, while the environment encompasses factors such as climate, natural disasters, and overall livability. Landforms, such as mountains, rivers, and coastlines, can affect the suitability of an area for settlement. The physical environment includes factors like access to water, fertile soil, and natural resources, which are essential for sustaining life.