Answered for Cumberland, Marion County (town limits extend east and north into Hancock County) County.
The biggest and oldest trees stand in Old Town along US 40, over houses on a corridor continuously settled since 1831 — that is where a crew will meet 100-plus-year specimens with structures under them on both sides. Buck Creek carries the bottomland canopy, the east-side Hancock County subdivisions date from the 1970s through the 2000s and their canopy is mid-life, and ash has been removed across central Indiana by emerald ash borer; no published street-tree inventory exists for the town. That context matters for honey locust: this became the default replacement tree after emerald ash borer cleared the ash, and central indiana now has street after street of it — which is the problem. Removing a honey locust around Cumberland runs roughly $400–$1,900, and in Old Town Cumberland / Cumberland Historic District, Cumberland Heights and Glen Oaks Village access is usually what decides where in that range you land.
The biggest and oldest trees stand in Old Town along US 40, over houses on a corridor continuously settled since 1831 — that is where a crew will meet 100-plus-year specimens with structures under them on both sides. Buck Creek carries the bottomland canopy, the east-side Hancock County subdivisions date from the 1970s through the 2000s and their canopy is mid-life, and ash has been removed across central Indiana by emerald ash borer; no published street-tree inventory exists for the town.
Cumberland was platted on the National Road in 1831 and did not incorporate until 1951, so Old Town along US 40 is genuine 19th- and early-20th-century stock — Folk Victorian, Craftsman bungalow and American Foursquare, with 1800s outbuildings still standing near Washington Street. Nearly all growth since has been east into Hancock County; the town's own profile puts the 2023 estimate at 6,419 with a median home value of $204,600.
One limb yellowing and wilting out of season while the rest of the canopy looks fine is the Thyronectria pattern — cut the bark on that limb and look for a sunken canker with reddish-brown discolored wood underneath. Whole-canopy thinning by August is usually mimosa webworm defoliation instead, and that tree will releaf next spring; the cankered one loses another limb every year until it is girdled.
The Town of Cumberland code has no tree chapter and no permit for removing a tree on private property. What it does regulate: no trees or shrubs planted in any drainage easement without Stormwater Board approval; a required plat covenant keeping clear sight triangles at corners, with no trees permitted to remain in the triangle unless the foliage line is high enough not to block sight lines; and a ban on attaching signs to any tree in a public way. The critical wrinkle is jurisdictional: Cumberland only issues permits and enforces code in its Hancock County portion. Marion County properties go to Indianapolis instead, whose code requires approval from the Division of Construction and Business Services of DBNS plus the Board of Parks and Recreation before an abutting owner uses the curb-to-sidewalk plot for a tree row (the exact section number is UNVERIFIED — sources give both 645-514 and 645-561).
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52 525W, Greenfield, IN 46140
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507 S Post Rd, Indianapolis, IN 46239
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5067 W US Hwy 40, Greenfield, IN 46140
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385 S Franklin Rd, Indianapolis, IN 46219
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1917 S Franklin Rd, Indianapolis, IN 46239
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Distance measured from Cumberland.