The University of Rochester matches all of your preferences on paper, though the aspects that define a “major city” may be somewhat personal.
Among LACs, Amherst, Hamilton and Smith offer among the most flexible curricula, and might be worth researching for that component of your criteria, as well as for their proximity to natural areas. Amherst would be a reach, not a match, however.
All of the above schools offer women’s rowing, I believe.