SEO -- category name in topic slug?

I forgot to mention that I think your case makes more sense for actual users than SEO. In a large regional forum I imagine there’d be a lot of topics that both

  1. Don’t specifically mention the region in the title
  2. Are generic enough to be relevant for many regions

So a URL in isolation like community.example.com/t/springfield-restaurant-recommendations could really apply to tons of regions in the US… though sharing a link without context is pretty rare… more likely someone would say:

Check out these restaurant recommendations for your trip [to California]: community.example.com/t/springfield-restaurant-recommendations