
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."
Medium tree · $250–$1,400 typical
Also searched as river birch, clump birch, Heritage birch, red birch, Betula nigra.