
A shagbark that leafs out thin and then wilts entire limbs in midsummer is the pattern that matters: hickory bark beetle working together with Ceratocystis fungus, which moves fast in drought-stressed trees and is not practically treatable once limbs are wilting. Ordinary stress looks different — undersized leaves, scorched margins, early yellow fall color — and those trees usually respond to water and mulch out to the dripline.
Almost nobody plants shagbark — the ones standing in central-Indiana yards are woodlot remnants left when the subdivision went in, and that is precisely why they are in trouble. It is a structurally excellent tree that cannot tolerate having its root zone graded, compacted, or paved, and the resulting decline typically shows up 5 to 15 years after the house was built, not the year after.