Warmer temperatures and frequent drought directly affect urban tree health. Both abiotic conditions also affect tree health via increased density of some insect pests. Warming is predicted to benefit urban trees by increasing carbon sequestration and allocation to biomass. However, increased drought and pests are rarely considered despite often co-occurring with heat. To determine the combined effects of these abiotic and biotic factors, we manipulated water availability for established urban red maple trees across a gradient of warming and pest density and measured leaf-level processes and tree growth over two years. We find that water availability is a major determinant of tree growth, physiological processes, and resilience to urban [...]