Answered for Pittsboro, Hendricks County.
Central Indiana's heavy clay and high water table make this common, especially in newer subdivisions where topsoil was stripped. In Pittsboro, two completely different tree populations in one small town: the original grid near Meridian and Main carries full-size 80-100 year old shade trees over the roofline, while the post-1997 subdivisions that hold most of Pittsboro's houses are still on 20-to-30-year-old nursery stock planted at the ordinance minimum of 2.5-inch caliper. No municipal tree inventory or canopy study for Pittsboro was found, so species dominance is inferred from housing age and the UDO's planting standards rather than measured. By the time the canopy shows it, the root system is already badly compromised.
Two completely different tree populations in one small town: the original grid near Meridian and Main carries full-size 80-100 year old shade trees over the roofline, while the post-1997 subdivisions that hold most of Pittsboro's houses are still on 20-to-30-year-old nursery stock planted at the ordinance minimum of 2.5-inch caliper. No municipal tree inventory or canopy study for Pittsboro was found, so species dominance is inferred from housing age and the UDO's planting standards rather than measured.
General decline, thin canopy, early autumn colour, sometimes mushrooms at the base.
By the time the canopy shows it, the root system is already badly compromised. This is a stability question as much as a health one — a tree with rotten roots can look fine and still come over in a storm.
No cure. Improve drainage, reduce load on the tree, or remove.
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Distance measured from Pittsboro.