Answered for Carmel, Hamilton County.
The tree has become an electrical conductor. Green wood and wet bark carry current, so the tree itself, any fence or gutter it touches, and the ground in a radius around a downed conductor can all be energized. Until the utility says otherwise this is an electrical incident that happens to involve a tree, not a tree job that happens to involve a wire. In Carmel — Village of WestClay, Brookshire and Woodland Springs included, that's normally a emergency tree service job at $500–$3,500. Call tonight.
June 29, 2023 derecho — Carmel logged several medium-sized limbs down while the same line measured 70 mph at Indianapolis International. The July 15-16, 2024 derecho tracked directly through Hamilton County with damage at Westfield (about 55 mph), Cicero and Atlanta, including a barn hit by a gustnado near Atlanta. September 14, 2008 remnants of Hurricane Ike brought 50-70 mph gusts for hours across central Indiana.
Carmel Urban Forestry publishes an approved species list (last revised 3/28/2024) whose "Undesirable Trees" section reads like a field guide to what fills older Hamilton County streets: silver maple (shallow roots, weak wood), Callery pear, pin oak, red maple and all Fraxinus for emerald ash borer. Approved large street trees run to swamp white oak, bur oak, chinkapin oak, hackberry, male-only ginkgo, thornless honeylocust, Kentucky coffeetree, baldcypress and London planetree; note Callery pear is discouraged locally but is not yet banned in Indiana — 312 IAC 18-3-25 currently lists 44 species without it.
Duke Energy Indiana. It runs a five-year distribution trim cycle, clearing roughly 20% of distribution line miles each year, gives Indiana customers a minimum of 14 days' notice before planned pruning, and files an annual vegetation management report with the IURC each March 31. Methods include pruning, mechanical trimming, brush mastication, herbicide application and hazard-tree removal.
Carmel's code section 6-64 is titled "Planting and Removal of Trees and Shrub Regulations" and sits in the streets-and-sidewalks division of Chapter 6, alongside 6-55 covering trees and shrubs that obstruct streets and sidewalks — so the city's active regulation is aimed at the public way, plus landscape and buffer plantings approved through development plan review by Urban Forestry. I could not verify the exact text of 6-64 or confirm whether any permit applies to removing a tree standing entirely in a private back yard; contact Carmel Urban Forestry through the city's Department of Community Services before assuming, and check HOA covenants, which in most Carmel subdivisions are stricter than the city.
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Distance measured from Carmel.