
Native and genuinely common through the southern two-thirds of Indiana, most at home along river bottoms and streambanks — which is exactly why it struggles on stripped, dry subdivision lots. It is Ohio's state tree and gets planted here occasionally for that reason, but far more often it's a volunteer that came with the property.
Ohio buckeye is the first tree in central Indiana to leaf out in spring and the first to look dead — by August most of them here are brown and half-defoliated from leaf blotch and marginal scorch. That cosmetic collapse, not risk, is what puts buckeye on a removal quote; structurally the tree is usually fine underneath.