Answered for Fishers, Hamilton County.
The tree is not bending — it is coming out of the ground. What holds a tree upright is a plate of roots plus the weight of the soil sitting on them, and saturated soil both weighs less in shear and grips less. Once that plate begins to rotate the failure is progressive: every degree of lean moves the center of mass further out past the edge of the plate, which increases the overturning load, which moves it further still. That is a fundamentally different mechanism from a tree that has leaned toward light for thirty years, and it is the one that puts trees through roofs. In Fishers — Sunblest Farms, Avalon and Brooks Chase included, that's normally a emergency tree service job at $500–$3,500. Call tonight.
Fishers had 344 residents in 1960 and 2,008 in 1980; it grew 404% in the 1990s alone, from 7,508 to 37,835, and reached 98,977 by 2020. Outside the original Fisher's Switch village platted in 1872 there is essentially no pre-1980 housing stock, so the canopy is a single planted cohort roughly 20 to 35 years old — first-generation subdivision trees all hitting the wires, the roofline and the sidewalk at once.
Fishers was not one of the 23 communities in Indiana DNR's street-tree sample inventory, so no verified species breakdown exists for the city. What is documented is that the Tree Board maintains a list of desirable and undesirable species and no species off that list may be planted as a street tree without special permission — the practical picture being a 1990s-2000s nursery palette in tight uniform age classes, with ash gone since EAB was confirmed in Indiana in 2004.
Duke Energy Indiana, on a five-year distribution trim cycle covering roughly 20% of line miles annually, with a minimum 14 days' notice before planned pruning and an annual vegetation report to the IURC each March 31. On top of that, Fishers issues its own annual right-of-way trimming permit to each utility under section 95.33(D), and except in emergencies, electric and communications utilities must notify the city before removing any tree.
Fishers regulates street trees, not yard trees. Under section 95.33 you need a Tree Board permit to plant, treat, spray or prune a street tree, and a separate permit to remove one, with no permit required in a genuine emergency; permits are reported to run up to 60 days with a 30-day extension on written request. Section 95.34 bars planting in any public right-of-way, required landscape easement or municipal property without a permit, and bars planting within 15 horizontal feet of an overhead utility line or five feet of an underground one. The trap is the definition: STREET TREES covers trees on real estate owned or controlled by the city AND trees within a dedicated landscape easement, which sweeps in subdivision frontage that looks like private yard. Removing a tree standing entirely in a private yard needs no permit. Section numbers, permit durations and setbacks here should be confirmed against the current Fishers code before they are relied on.
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Distance measured from Fishers.