Answered for McCordsville, Hancock County.
Two separate problems arrived at once. The immediate one is unsupported mass suspended in the air — hung limbs and cracked-but-attached wood have no predictable timing and come down with no wind at all. The longer one is that a torn top is a wound the tree cannot close, dropping a decay column straight down the center of the stem and leaving no leader to rebuild from. Whether this tree has a future is a question for next month. Whether anyone should be standing under it is a question for right now. In McCordsville — Bay Creek, Emerald Springs and Gateway Crossing included, that's normally a storm damage cleanup job at $400–$4,000. Call tonight.
On February 27, 2023 an EF1 with estimated 110 mph winds touched down about three miles southeast of McCordsville at 1:28 p.m. ($200,000) and a second EF1 struck near Eden at 1:37 p.m. ($50,000) — roughly $250,000 combined. Hancock County has logged 23 tornadoes since 1950, including the April 3, 1974 Super Outbreak F3 and F4 pair, and was included in Gov. Braun's June 2026 disaster declaration.
The canopy is almost entirely developer plantings on former corn and soybean ground, young enough that overall cover is thin compared with older Indianapolis suburbs; the genuinely large trees are leftovers — fencerow and creek-bottom hardwoods along Fall Creek and toward Geist, plus the yard trees around the 1865 village core. McCordsville was not in the Indiana DNR street tree sample and has no published inventory; note that Callery pear, heavily used in subdivisions of this vintage, was still legal to sell in Indiana as of 2026 despite a pending proposal to ban it.
Electric service is split by territory between AES Indiana (the former Indianapolis Power & Light) and NineStar Connect, the member-owned Hancock County cooperative headquartered in Greenfield that serves over 19,000 meters. Which one you have decides the line-clearance rules: AES is IURC-jurisdictional (two weeks' notice, no more than 25% removal, no topping without permission, three-day debris removal) and states an eight-year trim cycle, while NineStar as a cooperative falls outside those rules. Check the pole before assuming.
There is no general McCordsville permit for removing a tree on private property, and Indiana has no statewide requirement — but there is a reported exception worth checking before quoting a job: in platted tree conservation areas, any tree 6 inches DBH or larger is a "Protected Tree" and may not be removed unless it is dead, diseased or damaged, or removal is needed for a government safety requirement or specified infrastructure. That provision could not be verified against a retrievable copy of the code, so confirm it with the town. Many McCordsville subdivisions also have HOA covenants layered on top.
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Distance measured from McCordsville.