Answered for Cumberland, Marion County (town limits extend east and north into Hancock County) County.
Present in Indiana and the reason for the pruning rule below. It's the single best argument against 'we'll just tidy the oak up in June'. In Cumberland, 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. A red oak showing symptoms is usually lost within a season.
Cumberland's canopy and what's at risk
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.
What to look for
Rapid wilting from the top down in summer, leaves dropping while still half green, often one side of the canopy first.
Whether the tree can be saved
A red oak showing symptoms is usually lost within a season. The urgent job is protecting the oaks around it, because it moves underground through grafted roots.
Timing in Marion County (town limits extend east and north into Hancock County) County
Never prune an oak here between April and July — that's when the beetles carrying it are active and a fresh cut is an open invitation. Dormant-season pruning only.
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