Well, you probably wouldn't since most towns aren't actually that abandoned
Also, most of the towns in Fallout don't feel reclaimed, just... populated. The Hub and Den, maybe, feel reclaimed, but you get through most of Fallout 2 and you have NCR, Klamath, Redding, Broken Hills, San Francisco, and Vault City, all of which felt like a town
. Vault City was even built from the ground up after the apocalypse
, and it's doing pretty well for itself.
Fallout 3 has people acting as if they've just now started to settle down 200 years after the apocalypse. I don't like its setting at all