Answered for Camby, Camby is an unincorporated Decatur Township (Marion County) community; the adjacent Heartland Crossing development spans Marion, Morgan and Hendricks counties. County.
Two separate injuries share one name. Spray damage is direct chemical burn: salty slush lands on twigs, buds, and evergreen foliage and desiccates the tissue, killing it outright on the exposed face. Soil damage is systemic: chloride is taken up and accumulates in leaves to toxic levels, while sodium displaces calcium and magnesium on clay particles and collapses soil structure, so the soil holds water the roots can no longer extract. The tree ends up drought-stressed in wet soil and poisoned at the same time. The soil version is the one that kills trees; the spray version disfigures and causes dieback. In Camby — Heartland Crossing, The Mission at Heartland Crossing and The Sanctuary included, that's normally a tree trimming job at $250–$1,400. Within weeks.
Camby is two housing stocks with nothing in between. The original railroad crossroads dates to 1888, when Don Carlos Morgan donated land for a depot, and it stayed small and rural for a century. Then Heartland Crossing's master declaration was recorded October 30, 1997 with build-out from 1998, so the overwhelming majority of Camby's houses are 1998 through the 2010s — meaning almost every tree in town is planted nursery stock now 20 to 27 years old, big enough to reach the roofline and the service drop but not yet old enough to have developed major structural defects.
Because the subdivisions were farm ground until the late 1990s and were planted all at once, Camby's canopy is unusually uniform in age — a whole town of trees hitting 20 to 27 years simultaneously, with no old-growth street trees in the newer sections and mature wood only in fencerow remnants and along the Links at Heartland Crossing golf corridor. The late-1990s planting era means Callery/Bradford pear is common here; Indiana has proposed adding it to the banned invasive list but as of 2026 that ban had not taken effect. (Species mix is inferred from the verified build era rather than from a tree inventory.)
Camby is unincorporated — there is no town government and no municipal tree ordinance. The Morgan County Unified Development Ordinance governs (it applies to land not under Martinsville, Monrovia, Mooresville or Morgantown zoning), and it contains no permit requirement for removing a tree on existing private residential property. What it does regulate is new development: bufferyard and street-tree plantings at 2-inch caliper (2.5-inch in the I-69 overlay), and any existing tree shown as preserved on an approved development plan must be welled and protected against grade change. The Marion County slice of the Camby area falls instead under Indianapolis–Marion County rules requiring a DPW Flora permit for right-of-way work. In practice the binding rule for most Camby homeowners is the HOA: the recorded Heartland Crossing master declaration obliges owners to cut down and remove dead trees.
It depends which side of a county line your lot sits on. On the Marion County side the strip between sidewalk and street is city right-of-way and a DPW Flora permit is required to plant, prune or remove there. On the Morgan County side the county holds the road right-of-way at widths set by the Morgan County Thoroughfare Plan, with no equivalent permit program. Complicating both, the Heartland Crossing master declaration defines interior streets that were never dedicated to the public as private Common Area maintained by the HOA — so some "tree lawns" in Camby belong to the homeowners association, not to any government.
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Distance measured from Camby.