Answered for Camby, Camby is an unincorporated Decatur Township (Marion County) community; the adjacent Heartland Crossing development spans Marion, Morgan and Hendricks counties. County.
Roots need oxygen, and water fills the pore space that delivered it. The tree is suffocating rather than drowning, and fine absorbing roots die within days in oxygen-free soil, so the tree shows drought symptoms while standing in water. Past the root loss, saturated soil shifts chemically and favors water-mold pathogens like Phytophthora that attack the root collar. Saturated soil also grips a root plate far more weakly than dry soil does, so a tree that was stable last week may not be this week. In Camby — Heartland Crossing, The Mission at Heartland Crossing and The Sanctuary included, that's normally a hazardous tree removal job at $800–$5,000. Within days.
AES Indiana — still carried in the IURC's official electric service-territory GIS under its former name, Indianapolis Power & Light. This catches people out: Camby is in Morgan County but sits inside the Indianapolis utility's footprint rather than Duke's, and that holds true on the Morgan County side of Heartland Crossing as well. Under 170 IAC 4-9 AES must give at least two weeks' advance notice before trimming and must get the owner's consent before removing more than 25 percent of a tree's canopy or topping it. AES's approved rate settlement stretched its trim cycle from five years to eight, so gaps between utility passes are getting longer.
Because the subdivisions were farm ground until the late 1990s and were planted all at once, Camby's canopy is unusually uniform in age — a whole town of trees hitting 20 to 27 years simultaneously, with no old-growth street trees in the newer sections and mature wood only in fencerow remnants and along the Links at Heartland Crossing golf corridor. The late-1990s planting era means Callery/Bradford pear is common here; Indiana has proposed adding it to the banned invasive list but as of 2026 that ban had not taken effect. (Species mix is inferred from the verified build era rather than from a tree inventory.)
Camby is unincorporated — there is no town government and no municipal tree ordinance. The Morgan County Unified Development Ordinance governs (it applies to land not under Martinsville, Monrovia, Mooresville or Morgantown zoning), and it contains no permit requirement for removing a tree on existing private residential property. What it does regulate is new development: bufferyard and street-tree plantings at 2-inch caliper (2.5-inch in the I-69 overlay), and any existing tree shown as preserved on an approved development plan must be welled and protected against grade change. The Marion County slice of the Camby area falls instead under Indianapolis–Marion County rules requiring a DPW Flora permit for right-of-way work. In practice the binding rule for most Camby homeowners is the HOA: the recorded Heartland Crossing master declaration obliges owners to cut down and remove dead trees.
It depends which side of a county line your lot sits on. On the Marion County side the strip between sidewalk and street is city right-of-way and a DPW Flora permit is required to plant, prune or remove there. On the Morgan County side the county holds the road right-of-way at widths set by the Morgan County Thoroughfare Plan, with no equivalent permit program. Complicating both, the Heartland Crossing master declaration defines interior streets that were never dedicated to the public as private Common Area maintained by the HOA — so some "tree lawns" in Camby belong to the homeowners association, not to any government.
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Distance measured from Camby.