Perceptions of climate change play a critical role in determining the degree to which people are at risk throughout the world. The significance of culture in understanding why people perceive and respond to climate change in particular ways is largely ignored in mainstream climate change adaptation. This paper applies a critical realist approach to examine the sociocultural structures and causal mechanisms for inaction or (in)effective action between at-risk people and the organisations responsible for dealing with climate change. The findings reveal that there are varying context-specific sub-narratives among heterogeneous groups of people at risk and organisations that lead to inaction or (in)effective action in response to climate change, often independent of risk perceptions and with unforeseen consequences for the vulnerabilities of at-risk people. Specifically, sub-narratives may create parallel and/or conflicting climate-related perceptions and respective responses, legitimise unequal resource distribution, and justify the suppression and/or capitalisation of sub-cultural and/or individual risk perceptions.