Can someone make/Show me/Help me make the following?:

I am making a game, and it will have an image list of icons.
And i need to be able to create a 'map' then have the Game open up the map......

Then You can click(with the mouse) and move a player icon around the screen by clicking.

But i want there to be certain 'terrains' that the Player icon can go over, which will change the speed Slow/Medium/fast ect.... of the player.

I also need to have some things that the player can not go across. Thanks

Just a little bit of this idea will help. thanks