
River Birch can work here, with caveats. Native to Indiana along streams and probably the single most-planted ornamental tree in central Indiana subdivisions built from the 1990s onward. That first big planting wave is now 25 to 35 years old, which is exactly the age when chlorosis, drought stress, and ice-folded clumps start generating service calls at scale.
Small mess but constant: papery bark peeling year-round, catkins in spring, chronic twig and small-branch dieback that sheds readily, and small leaves that drop early — river birch is often bare weeks before the maples on the same street. Aphids can drip honeydew onto cars and patios in early summer, which produces sooty mold on whatever is parked underneath.
Roots are shallow, wide, and fibrous, and river birch genuinely tolerates wet clay and seasonal standing water — which is exactly why it got planted in the low corner of every stripped-topsoil lot in the state. They surface in lawns and outcompete turf for water, but river birch does not carry the reputation for lifting drives or entering sewer laterals that willow and silver maple do.