hdr, these two files should be placed into an empty directory inside the scenery directory of the program. The matrix should be exported from 3DEM using 'Save Terrain Matrix' and selecting 'Binary Signed Integer' as the format.
To download 3DEM and topographic data see this website
This area can be obtained by downloading DEM or SRTM data from the internet and saved using a program called 3DEM Any scenery in Virtual Sailor is based upon a digital elevation matrix of the selected area.