through DB alone, no I don't think it is possable. you probably could via Dynamic Link Libraries, but I wouldn't know how. My best guess would be to create an object in your 3D modeler that would represent your terrain. As it is an object, you would be able to bumpmap it. As you also know, this would create some limitations (like that of not being able to scroll the object vertecese), but it is possable to do ground collision checks and do it fast. Many people have done such things and can help provide code for you. I could myself however, I don't have the code with me at the moment.
Current Projects: Game Spawn 85%, mini BSP maker 50%, Height Mapper with many features 75%, Space Tactical (Like BC300AD) 15%.