Reef islands are globally recognised as highly vulnerable, increasingly threatened by climate change due to their low elevation, dependence on surrounding coral reefs, and exposure to intensifying environmental stressors such as sea-level rise, storms, and coral degradation. The Cocos (Keeling) Islands, a remote Australian atoll in the northeast Indian Ocean, comprise 27 reef islands arranged along a horseshoe-shaped rim. Over 400 people live on Home Island, the cultural centre of the Cocos Malay community and the oldest continuously established Muslim community in Australia. The Australian Government is developing a Coastal Hazard Risk Management and Adaptation Plan, including erosion and inundation mapping and adaptation options from local protection to potential relocation. Climate projections indicate rising sea levels, increasing cyclone intensity, ocean warming, and acidification, likely altering hydrodynamics, sediment supply, and island morphology. However, island responses vary due to geomorphic controls, and understanding remains limited by a lack of high-resolution, site-specific data. This study addresses this gap by generating a high-resolution 3D change model for Home Island using LiDAR datasets alongside community interviews. Results reveal spatially complex change, with erosion and accretion hotspots rather than uniform retreat, challenging simplified narratives of inevitable island loss.