Answered for Cumberland, Marion County (town limits extend east and north into Hancock County) County.
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. That context matters for river birch: river birch is the default subdivision tree in central indiana, planted by the thousand as a three-stem clump because it is the one birch that genuinely resists bronze birch borer. Removing a river birch around Cumberland runs roughly $250–$1,400, and in Old Town Cumberland / Cumberland Historic District, Cumberland Heights and Glen Oaks Village access is usually what decides where in that range you land.
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.
Cumberland was platted on the National Road in 1831 and did not incorporate until 1951, so Old Town along US 40 is genuine 19th- and early-20th-century stock — Folk Victorian, Craftsman bungalow and American Foursquare, with 1800s outbuildings still standing near Washington Street. Nearly all growth since has been east into Hancock County; the town's own profile puts the 2023 estimate at 6,419 with a median home value of $204,600.
River birch is supple and bends a long way under ice rather than snapping, but bending is the failure mode — fine twigs and dense tops load with glaze and clump stems fold to the ground, and many never stand back up. That turns into a reduce-or-remove decision rather than a broken-limb cleanup, and because birch decays fast, trying to salvage a folded stem usually costs more than it returns.
The Town of Cumberland code has no tree chapter and no permit for removing a tree on private property. What it does regulate: no trees or shrubs planted in any drainage easement without Stormwater Board approval; a required plat covenant keeping clear sight triangles at corners, with no trees permitted to remain in the triangle unless the foliage line is high enough not to block sight lines; and a ban on attaching signs to any tree in a public way. The critical wrinkle is jurisdictional: Cumberland only issues permits and enforces code in its Hancock County portion. Marion County properties go to Indianapolis instead, whose code requires approval from the Division of Construction and Business Services of DBNS plus the Board of Parks and Recreation before an abutting owner uses the curb-to-sidewalk plot for a tree row (the exact section number is UNVERIFIED — sources give both 645-514 and 645-561).
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52 525W, Greenfield, IN 46140
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507 S Post Rd, Indianapolis, IN 46239
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5067 W US Hwy 40, Greenfield, IN 46140
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385 S Franklin Rd, Indianapolis, IN 46219
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1917 S Franklin Rd, Indianapolis, IN 46239
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Distance measured from Cumberland.