Answered for Zionsville, Boone County.
A root adds diameter every year and concrete does not move aside, so it comes down to which is stronger, and a live structural root beats four inches of unreinforced slab. This is a property-damage and trip-hazard problem, not a tree-failure problem, and the tree is usually in good health. The important inversion is that the repair is what creates the hazard: the roots lifting your driveway are the buttress roots on one side of the trunk, and cutting them is precisely how a stable tree becomes an unstable one. In Zionsville — Austin Oaks, Brittany Chase and Rock Bridge of Zionsville included, that's normally a tree removal job at $400–$1,900. Not urgent.
Zionsville is split territory: Duke Energy Indiana serves the eastern part of town and Boone REMC, a member-owned cooperative, serves the western part. Duke's side follows a five-year distribution trim cycle under ANSI A300 and Z133 standards, clearing about 20% of distribution miles per year and removing trees that cannot be pruned to hold clearance through a full cycle.
Zionsville has genuinely inherited canopy, not just planted stock: Austin Oaks, off Willow Road, was built on wooded lots, so mature native trees stand over the houses rather than replacing them, and the Village core's narrow streets carry mature oak and maple. Along the Eagle Creek corridor — including the 215-acre Carpenter Nature Preserve — the mix runs to oak, maple and sycamore, with standing dead ash still coming out; the town holds Tree City USA status and plants street trees annually.
No permit is required to remove a tree on private property in Zionsville. What is regulated is the right-of-way: prior approval from the town is required to plant a tree in a right-of-way encroachment, partly so the town can verify the spot clears utility and drainage lines. The Zionsville Tree Board, established at Section 31.25 of the town code, is advisory rather than a permitting body — it counsels the Town Council and Mayor on urban forestry, acts as liaison to subdivisions on street tree planting, and works to preserve Tree City USA designation (section text worth confirming against the live code).
The town owns the curb strip outright. Per the town's own FAQ, once a tree is planted between the sidewalk and the street it is technically the property of the Town of Zionsville, because Zionsville owns that land — which is why a permit is needed to plant there in the first place. Day-to-day maintenance falls to the adjoining property owner, and the town notes that replacing a street tree after its warranty lapses is a low priority that can take years.
5155 Old 106th St, Zionsville, IN 46077
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5360 W 84th St, Indianapolis, IN 46268
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10795 E 300 S, Zionsville, IN 46077
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5340 W 79th St, Indianapolis, IN 46268
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4404 W 72nd St, Indianapolis, IN 46268
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6565 Coffman Rd Bldg D, Indianapolis, IN 46268
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Distance measured from Zionsville.