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I agree with Miriam and Ray. Additionally it does depend on the query/industry. For instance "indy plumbers" does pull a 3 pack, so Google does realize I was searching for Indianapolis. But in your industry I'd search to be sure a local pack comes up. I'd include the full city spelled out in all the relevant SEO places on your site though to help you rank for the majority of searches that will include full city name. But with Indy as part of your business name and URL you should find it fairly easy to rank for Indy searches, though the search volume will likely be less.