Excess fine sediment (<2 mm) deposition on gravel streambeds can degrade habitat quality for stream biota. Two measures of fine sediment deposition include embeddedness and silt cover (<62.5 mu m). Embeddedness measures fine sediment in interstitial pore spaces, whereas silt cover, primarily deposited during low flows, measures fine sediment draped on the streambed's surface. Here, we demonstrate that a baseline level of embeddedness and a maximum value of silt cover can be predicted from bankfull shear velocity, which can be estimated from river channel and streamflow characteristics, independently of knowing the sediment supply. We derive an equation for bankfull shear velocity that only requires knowing bankfull flow, channel width, and channel slope, which can be readily obtained in the United States from freely available, remotely sensed data. We apply this methodology to data collected at 30 sites in the Piedmont region of Virginia and North Carolina. This work is an important step in developing statistical models of stream ecosystems in which geophysical variables can predict embeddedness and silt cover, which commonly limit biotic assemblages.