
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.
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. The calls it generates are not hazard calls — they are "why is it yellow," "why is it dropping leaves in July," and "the ice folded it over and it never stood back up."