Those “caterpillars” defoliating your river birch are actually sawfly larvae—primitive wasp relatives that look like caterpillars but have more prolegs and a different lifecycle. This distinction matters because Bt (Bacillus thuringiensis), a common organic caterpillar control, does not affect sawfly larvae.
Carbaryl and imidacloprid are moderately toxic to fish. If your river birch is near a goldfish pond, insecticidal soap is the preferred option to protect aquatic life.
Sawfly larvae have 6 or more pairs of fleshy prolegs; true caterpillars have 5 or fewer. Check the underside of the larvae to confirm.
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