This is not related (as far as I can tell) to video card overheating. It is true, this kind of thing *can* be caused by such things as failed fans or overheating, but Im fairly certain its not the case with Civ4.
I experienced the same kind of thing today (when I tried playing in windowed mode after experiencing many CTD's and reboots). It happened at 1024x768 at different portions of the map (moving the view to another portion of the map "fixed" the tears, but moving back to that exact spot produced them again). I have logging enabled, per the dev's instructions, but Im not sure what Im looking for. I got a much of errors here, I dont know whats routine and not.
I know its not overheating because I can play WoW for 8 hours at a time, highly taxing my system, with higher settings than Civ4. Also, this problem does not appear in any other game that I have or play. WoW, HL2 (and its mods), FEAR, Quake4, AOE3, etc, etc all work perfectly. Also, my comp is on the average a lot hotter after long sessions of WoW than it while playing Civ4.
The CTD's produce totally unkown errors in the Event Viewer in XP. The first day I got Civ I played for 2.5 hours and had a hard crash that rebooted my computer. I played another 1 hour and it happened again. After playing another 2 hours, it CTD's and I quit for the night. The next day I got many CTD's and finally a reboot. I started with the Cat 5.7's because I heard Civ had problems with the 5.10s. I followed proper procedure and cleaned my comp of drivers and installed 5.10s after I experienced this. The problem persists. Going back to 5.7's did not fix it either.
Maybe they let this one out of the gates too quickly when they saw the stock prices tumbling?
Im fresh out of ideas, anyone else?
AMD Athlon 64 3000+
ATI Radeon All in Wonder 9700 Pro
1 gig Corsair ram