Coastal communities in developing countries are at the frontline of climate change, yet adaptation efforts often neglect local knowledge. This study investigates how residents of Ayetoro, Ondo State, Nigeria, responded to climate-induced housing challenges between 2000 and 2022, examining the connection between community-based adaptation, housing conditions, and resilience. Adopting a transdisciplinary approach that combines architecture, environmental science, and social research, the study evaluates both structural measures (such as housing modifications and material use) and non-structural actions (including relocation and community support systems). Findings up to October 2023 reveal that while indigenous strategies have provided short-term resilience, achieving long-term sustainability requires stronger collaboration among local stakeholders, researchers, and policymakers. The study proposes an inclusive adaptation framework that blends traditional knowledge with evidence-based climate solutions to improve housing resilience in coastal settlements. It contributes to the ongoing conversation on sustainable, climate-resilient housing for emerging economies by bridging grassroots practices, academic research, and policy action.