The aim of this paper is to investigate how the construction of risk intersects with social structures in house owners’ narratives on climate related risks with regard to their own homes. Narratives of 44 house owners in four regions exposed to climate related risks in Sweden were analysed in relation to intersectional risk theory according to which risk is constructed in relation to different forms of power structures. Three narratives are revealed in the material: 1) The responsible citizen taking action, 2) The vulnerable human in the shadow of the climate threat and 3) The safe house owner protected against climate threats. The result indicate that different intersections of class, gender, age and place shape different ways of positioning in relation to risk by describing oneself as more or less aware of as well as exposed to climate related risks. The analysis further reveals that different intersections of social structures lead to shifting prerequisites for what kind of preparedness house owners can have in order to prevent and manage climate related risks regarding their homes.