Well, my system only has 3 penalty groups for travel -25%, -50% and -75%, but these penalties will add up on top of each other, As the adding of penalties adds complexity therefore the system has to be simple in the beginning. As a GM if I choose to have settlement nearby then I will reduce the penalty down to 50% because of all the paths. But then there is the addition of Hills or Mountains as lava is often on the mountains. that will give 93,75% or 95% penalty (if I keep it in the 5% breakages)
So AA lava on a mountain -93,75%
and AA lava on a mountain in a storm -98,44%