Climate change disproportionately impacts coastal residents in the United States. Existing studies document institutional efforts to adapt to sea level rise through projects like seawalls, beach nourishment, and property acquisitions to protect communities from rising seas. Such studies capture institutional adaptations, but do not include ad hoc adaptations by homeowners impacted by climate change. How are homeowners adapting to climate hazards? This paper analyzes ethnographic and interview data from 100 households in two coastal counties in North Carolina, a state with one of the most climate vulnerable shorelines in the country. This analysis of homeowner response considers ad hoc adaptations along the North Carolina coast. Results show that homeowners recognize climate hazards and regularly adapt on their own within the context of institutionally maintained flood protection infrastructure and transportation access to the places where they live. Residents are aware of and attempt to access support for home adaptations when programs or funds are available to them after disasters and do so with varying levels of success, though the more pervasive adaptations to chronic stress are not supported by government programs or insurance mechanisms. Ad hoc adaptations may provide short-term protection from climate hazards but have questionable long-term efficacy as sea levels rise and storm strength and frequency increases. Leaving communities and households to adapt on their own as chronic climate hazards outpace institutional response exacerbates existing inequalities by relying on residents with different levels of resources and agency to adapt.