
Nearly everything that looks fatal on a central Indiana buckeye isn't — blotch browning spreading from the interior outward, scorched leaf margins on the sun side, and bare branches by late August are annual events on a healthy tree. Genuine decline is branch-by-branch: twigs that fail to break bud at all the following May, thinning from the top down, and cankers or bleeding at the trunk.
Ohio buckeye is the first tree in central Indiana to leaf out in spring and the first to look dead — by August most of them here are brown and half-defoliated from leaf blotch and marginal scorch. That cosmetic collapse, not risk, is what puts buckeye on a removal quote; structurally the tree is usually fine underneath.