Carmel's canopy and what's at risk
Carmel Urban Forestry publishes an approved species list (last revised 3/28/2024) whose "Undesirable Trees" section reads like a field guide to what fills older Hamilton County streets: silver maple (shallow roots, weak wood), Callery pear, pin oak, red maple and all Fraxinus for emerald ash borer. Approved large street trees run to swamp white oak, bur oak, chinkapin oak, hackberry, male-only ginkgo, thornless honeylocust, Kentucky coffeetree, baldcypress and London planetree; note Callery pear is discouraged locally but is not yet banned in Indiana — 312 IAC 18-3-25 currently lists 44 species without it.
Whether the tree can be saved
Rhizosphaera needlecast is near-universal on mature blue spruce here. Fungicide can hold the line on a tree that still has most of its canopy; a spruce that's bare halfway up is not coming back, because spruce doesn't refoliate old wood.