The conventional method of risk analysis (with risk as a product of probability and consequences) does not allow for a pluralistic approach that includes the various risk perceptions of stakeholders or lay people within a given social system. This article introduces a methodology that combines the virtues of three different methods: the quantifiable conventional approach to risk; the taxonomic analysis of perceived risk; and the analytical framework of a spatial multi-criteria analysis. This combination of methods is applied to the case study 'Ebro Delta' in Spain as part of the European sixth framework project 'Floodsite'. First, a typology for flood hazards is developed based on individual and/or stakeholders' judgements. Awareness, worry and preparedness are the three characteristics that typify a community to reflect various levels of ignorance, perceived security, perceived control or desired risk reduction. Applying 'worry' as the central characteristic, a trade-off is hypothesized between Worry and the benefits groups in society receive from a risky situation. Second, this trade-off is applied in Spatial Multi-Criteria Analysis (SMCA). MCA is the vehicle that often accompanies participatory processes, where governmental bodies have to decide on issues in which local stakeholders have a say. By using risk perception-scores as weights in a standard MCA procedure a new decision framework for risk assessment is developed. Finally, the case of sea-level rise in the Ebro Delta in Spain serves as an illustration of the applied methodology. Risk perception information has been collected with help of an on-site survey. Risk perception enters the multi-criteria analysis as complementary weights for the criteria risk and benefit. The results of the survey are applied to a set of scenarios representing both sea-level rise and land subsidence for a time span of 50 years. Land use alternatives have been presented to stakeholders in order to provide the regional decision maker with societal preferences 123Nat Hazards (2008) 46:307-322 DOI 10.1007 for handling risk. Even with limited resources a characteristic 'risk profile' could be drawn that enables the decision maker to develop a suitable land use policy.