Answered for Greenwood, Johnson County.
Two separate canopies in one city. The pre-1960 blocks around Old Town and near County Line Road hold Greenwood's only genuinely mature shade trees — just 9% of the housing stock predates 1960 — while the subdivisions east of I-65 are 2000s-era plantings still small enough to prune off a ladder. Ash is functionally gone: emerald ash borer has been confirmed in Indiana since April 2004 and is now in all 92 counties. That context matters for eastern white pine: it gets planted constantly here and the soil does not want it — purdue documents "white pine decline" specifically as an indiana clay-soil disorder, where trees look fine for fifteen or twenty years and then quit. Removing an eastern white pine around Greenwood runs roughly $400–$1,900, and in Old Town Greenwood, Green Valley and Imperial Hills access is usually what decides where in that range you land.
Two separate canopies in one city. The pre-1960 blocks around Old Town and near County Line Road hold Greenwood's only genuinely mature shade trees — just 9% of the housing stock predates 1960 — while the subdivisions east of I-65 are 2000s-era plantings still small enough to prune off a ladder. Ash is functionally gone: emerald ash borer has been confirmed in Indiana since April 2004 and is now in all 92 counties.
Median year built is 1996 across 27,721 housing units (ACS 2019-2023, tables B25034/B25035). About 27% predates 1980 — including a small pre-1940 Old Town core — but roughly 42% went up after 2000. The practical result: 70-to-90-year-old shade trees hanging over Old Town roofs, and 10-to-20-year-old nursery stock in the subdivisions east of I-65.
It presents as off-color first — pale to yellow-green next to a healthy neighbor — then progressively shorter needles, shorter annual twig extension, and wrinkled bark on the branches before anything browns. Stress versus dying: a tree that yellows and greens back up in a wet year is stressed, but once annual candle growth is down to a couple of inches, needle retention has dropped to the current year only, and branch bark has shriveled, it is finished.
No permit is required to remove a tree on private property in Greenwood. Tree rules in the city code are all about new development and the public way: the UDO's landscaping standards require street trees along frontage and give credit for preserving existing large-caliper trees, separate provisions restrict planting in the public way, and the Stormwater Department's Easement Encroachment Permit is required before planting any tree or shrub inside an existing drainage or utility easement. The specific UDO section numbers and planting ratios could not be verified against the live code — confirm with Planning and the Stormwater Department. Cutting down your own backyard tree needs nothing.
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Distance measured from Greenwood.