Every town needs:
Two guards at a gate that say, "You cannot pass here yet."
A dungeon in a basement filled with dangerous creatures.
An Inn that plays annoying piano music, that begins at the start of the song every time you walk in the door.
Serously though, I like to make sure that each town has a story, just like your characters. Give it a long term history (like who founded the town or why it was built where it was built) and then a short-term history (is the town in the middle of a boom or in the middle of a bust, due to war, drought, new trade routes or whatever). Although I don't directly tell the player this information, I make sure that everything in the town is consistent with its history. So when I am creating characters, or cemeteries or markets, i already have ideas in mind.