Rising sea levels and growing coastal populations are intensifying interactions at the land-sea interface. To stabilize upland and protect human developments from coastal hazards, landowners commonly emplace hard armoring structures, such as bulkheads and revetments, along estuarine shorelines. The ecological and economic consequences of shoreline armoring have garnered significant attention; however, few studies have examined the extent of hard armoring or identified drivers of hard armoring patterns at the individual landowner level across large geographical areas. This study addresses this knowledge gap by using a fine-scale census of hard armoring along the entire Georgia U.S. estuarine coastline. We develop a parsimonious statistical model that accurately predicts the probability of armoring emplacement at the parcel level based on a set of environmental and socioeconomic variables. Several interacting influences contribute to patterns of shoreline armoring; in particular, shoreline slope and the presence of armoring on a neighboring parcel are strong predictors of armoring. The model also suggests that continued sea level rise and coastal population growth could trigger future increases in armoring, emphasizing the importance of considering dynamic patterns of armoring when evaluating the potential effects of sea level rise. For example, evolving distributions of armoring should be considered in predictions of future salt marsh migration. The modeling approach developed in this study is adaptable to assessing patterns of hard armoring in other regions. With improved understanding of hard armoring distributions, sea level rise response plans can be fully informed to design more efficient scenarios for both urban development and coastal ecosystems.