Coastal settlements face accelerating climate pressures, including the rise of sea levels, storm surges, and compound pluvial and tidal events. All of those factors can increasingly disrupt the residential built environment. Therefore, despite extensive engineering research, current flood-resilience approaches remain fragmented and rarely translate climate-risk evidence into architectural decision-making. This study introduces an Adaptive Architectural Framework for Flood-Responsive Design (AAF-Flood). This framework addresses the persistent gap between hazard analysis and the operational design logic of coastal housing. The research methodology employs an interpretive mixed-evidence approach combined with recent climate data on sea-level rise and extreme rainfall. The methodology also incorporates records of past storm surges, floods, and intensive rainfall events; examines how building envelopes perform under coastal exposure; reviews evidence on wetlands and vegetated buffers; and includes an institutional assessment. The development of this framework is guided by a structured four-stage workflow that provides diagnosis, translation, integration, and evolution. The AAF-Flood operates across five resilience dimensions and three representative housing typologies. The paper also reviews four documented case studies and interprets the data in relation to future conditions represented by RCP 4.5 and RCP 8.5 climate pathways. The framework also integrates spatial configuration, material durability, ecological interfaces, and governance feasibility within a single architectural methodology. Findings indicate that early incorporation of adaptive morphology, ground-floor designs that can safely flood when necessary, and application of finishes and structural components designed for high-salinity environments significantly enhance long-term habitability and reduce disruption during both moderate and extreme flood events. The paper contributes a method for converting climate projections into architectural guidance applicable at both building and community scales. This guidance supports the design of new housing and the adaptation of existing structures. Ultimately, the AAF-Flood provides actionable direction for architects, planners, and policymakers confronting rapidly evolving coastal risk.