Answered for Bargersville, Johnson 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 Bargersville — Saddle Club, Kerrington Proper and Whitetail Woods included, that's normally a emergency tree service job at $500–$3,500. Call tonight.
Bargersville is one of the newest housing stocks in the region: population went from 4,013 in 2010 to 9,560 in 2020, a 138% jump, and the town annexed White River Township ground in 2011, sharply enlarging its land area. Recorded subdivisions cluster in the 2000s and 2010s — Harvest Grove, Kerrington Proper, Whitetail Woods, Shadowood, Country Meadows, Saddle Club, Wyncrest, Morningside, Highland Knoll and Aberdeen — with only Old Bargersville, Three Notch Village and a scattering of pre-war places predating them.
No street tree inventory exists for Bargersville and it is not among the 23 communities in the Indiana DNR street tree sample, so the picture is an expectation from the build-out pattern: most of the canopy should be nursery stock roughly five to twenty-five years old, not yet over the roofline, with mature shade trees concentrated in Old Bargersville, Three Notch Village and the few pre-war properties. The UDC's Approved Plant List steers new planting toward natives and flags which species may go under utility lines, though the list's contents are unverified.
Bargersville runs its own municipal electric utility, a member of the Indiana Municipal Power Agency, serving about 3,566 customers in the Bargersville and Whiteland area — so the line-clearance crew on your street works for the town, not Duke. That matters legally: the IURC's tree-trimming rule (two weeks' notice, no more than 25% removal or topping without your permission) applies only to investor-owned utilities and does not bind the town utility. Johnson County REMC and Duke Energy Indiana serve areas outside the municipal electric footprint.
No permit is required for a homeowner to take down a tree in their own yard — the UDC's landscape standards do not reach detached single-family and two-family dwellings outside a subdivision. Subdivision, commercial and new-development sites are subject to those standards, which are reported to include plotting existing trees above a caliper threshold as "To Be Removed" or "To Be Saved," an Approved Plant List and a Prohibited Plant List, a prohibition on topping, and separately enforceable recorded Tree Preservation Easements. Those provisions could not be verified against the adopted UDC text — in particular whether the prohibited list names American elm or only Siberian elm — so confirm with the Town before quoting development-site work.
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Distance measured from Bargersville.