Background: Climate change disproportionately affects older people, particularly in rural and regional areas where health disparities and environmental exposure are greater. While older adults are often framed as vulnerable to extreme heat, less is known about how they perceive and respond to climate-related risks, including impacts on wellbeing and access to essential resources and services. Aim: This study explores how older people in a rural Victorian community perceive and experience climate change, with a focus on environmental stressors, wellbeing, and adaptive capacity. Methods: A qualitative descriptive design using participatory workshops was undertaken with 17 participants aged 55–90 years (mean age 72). Discussions explored experiences of extreme weather, risk perception, information sources, and adaptation strategies. Workshops were audio-recorded, transcribed, and analysed thematically using NVivo. Results: Despite recognised physiological vulnerability to heat, many participants did not perceive themselves to be at risk. Drawing on lifelong experience, they described adaptive strategies to manage extreme temperatures; however, they also observed increasing climate variability, including heatwaves and flooding. Participants expressed scepticism about climate change information and mistrust of external messaging. Environmental changes contributed to anxiety, social isolation during extreme events, and concerns about future sustainability, including energy security, housing conditions, and access to local resources. These factors have implications for maintaining health, nutrition, and independent living. Conclusions: Effective climate adaptation strategies for older people in rural areas must be locally grounded, address mistrust of information, and consider mental health and social impacts. Strengthening community-based responses and ensuring reliable access to services and resources will be critical to supporting ageing in place under changing environmental conditions.