Developing bipedal robots capable of traversing diverse real-world terrains presents a fundamental robotics challenge, as existing methods using predefined height maps and static environments fail to address the complexity of unstructured landscapes. To bridge this gap, we propose GenTe, a framework for generating physically realistic and adaptable terrains to train generalizable locomotion policies. GenTe constructs an atomic terrain library that includes both geometric and physical terrains, enabling curriculum training for reinforcement learning-based locomotion policies. By leveraging function-calling techniques and reasoning capabilities of Vision-Language Models (VLMs), GenTe generates complex, contextually relevant terrains from textual and graphical inputs. The framework introduces realistic force modeling for terrain interactions, capturing effects such as soil sinkage and hydrodynamic resistance. To the best of our knowledge, GenTe is the first framework that systemically generates simulation environments for legged robot locomotion control. Additionally, we introduce a benchmark of 100 generated terrains. Experiments demonstrate improved generalization and robustness in bipedal robot locomotion.