Decision making for the conservation and management of coral reef biodiversity requires an understanding of spatial variability and distribution of reef habitat types. Despite the existence of very high-resolution remote sensing technology for nearly two decades, comprehensive assessment of coral reef habitats at national to regional spatial scales and at very high spatial resolution is still scarce. Here, we develop benthic habitat maps at a sub-national scale by analyzing large multispectral QuickBird imagery dataset covering ~686 km2 of the main shallow coral fringing reef along the southern border with Tanzania (4.68°S, 39.18°E) to the reef end at Malindi, Kenya (3.2°S, 40.1°E). Mapping was conducted with a user approach constrained by ground-truth data, with detailed transect lines from the shore to the fore reef. First, maps were used to evaluate the present management system’s effectiveness at representing habitat diversity. Then, we developed three spatial prioritization scenarios based on differing objectives: (i) minimize lost fishing opportunity; (ii) redistribute fisheries away from currently overfished reefs; and (iii) minimize resource use conflicts. We further constrained the priority area in each prioritization selection scenario based on optionally protecting the least or the most climate exposed locations using a model of exposure to climate stress. We discovered that spatial priorities were very different based on the different objectives and on whether the aim was to protect the least or most climate-exposed habitats. Our analyses provide a spatially explicit foundation for large-scale conservation and management strategies that can account for ecosystem service benefits.