Если хотите моды с mod.io на пиратку, то вот лайфхак:

1. Создайте файл authentication.json в папке \ Documents \ My Games \ SnowRunner \ base \ Mods \ .modio со следующим содержимым:

{
"access_token":
}

2. Создайте учетную запись mod.io
3. В своем профиле> доступ к API> Управление ключами API примите условия доступа к API.
4. В своем профиле> доступ к API> Создать токен доступа нажмите Создать токен.
5. Скопируйте сгенерированный токен доступа и вставьте его в authentication.json сразу после «access_token»: (с пробелом после) вот так

{
"access_token": "blahblahblahsoonandsoforthforeverandever"
}

7. Сохраните authentication.json, затем запустите игру, теперь у вас будет доступ к модам с подпиской на mod.io и картам полигонов!

forums. playground .ru/snowrunner/tech/ustanovka_modov_na_piratku-991220/#comment-18958954

We sincerely apologize to every player this has affected. We’re urgently working on a fix, and will update here, and in game, when it is resolved.
We highly recommend that affected players wait for our next hotfix patch, which will be released as soon as possible on each platform. If you choose to continue playing, please note that moving maps, moving homesites, or destroying facilities is not recommended until this issue is fixed as you will not receive the expected resource reimbursements for your actions.
If you’ve already discovered this bug and its effects, please submit a ‘Support’ request at support.stateofdecay.com so we can help you recover what was lost.
Please note, if you encounter this issue with missing or broken outposts and choose to play your community in this state, the missing boons and outposts will be restored automatically when the hotfix is published. However, any lost resources from partial reimbursements (triggered by moving maps, moving homesites, or destroying facilities) might not be restored. You will need to contact our support team to address lost resources on a case-by-case basis.

Oct 7, 2020 Update:
Update 21.1 is now live for all platforms (Win10 and Xbox)
Oct 6, 2020 Update:
The 21.1 patch will restore boons and outposts to affected Nightmare communities, as long as players have not taken any of the following actions since Update 21 released:

– Moved maps
– Moved home sites
– Destroyed any facilities
This patch is available now on Steam and Epic and will be available for Win 10 players very soon, please check back for updates.
If you are one of the Nightmare communities who was affected but did move maps, moved your home site, or destroyed a facility, we’re working on how to help.
Oct 5, 2020 Update:
We shipped a hotfix that will prevent any further Nightmare communities from being affected. If you have been avoiding booting up your community to avoid this issue, it should now be safe to do so! We are actively working on a solution for all Nightmare communities who are affected. We’ll update here when we have details. Thank you for your patience!
Oct 2, 2020:
Update 21 introduced a compatibility issue with certain pre-existing Nightmare communities (specifically, those with food outposts saved in Update 20 or earlier). This information does not apply to newly created Nightmare communities, or to any other difficulty settings.
In affected communities, Boons may become deactivated, outposts will no longer appear in the base screen nor provide resources, and actions that normally give back partial resource reimbursements will not refund any resources.

• https://www.stateofdecay.com/wp-content/uploads/2020/10/image.png
• https://www.stateofdecay.com/wp-content/uploads/2020/10/image-3.png

Fatal Error говорит о том, что возник серьёзный сбой. И это общее название. Должны остаться записи в событиях что именно привело к такой ошибке. 
У Одного пользователя на reddit была такая же проблема
Причина фатальной ошибки при запуске: Служба Asus Aura Lighting. Он её удалял и отключал, потом ставил обратно Однако это проблема только для первого запуска.