Anne Marie, portrayed by Kate Bosworth, shares a tight-knit friendship with Eden, played by Michelle Rodriguez, and Lena (Sanoe Lake). Together, they have been taking care of Anne Marie’s younger sister, Penny (Mika Boorem), since their mother left for Las Vegas with a boyfriend unwilling to accommodate the girls.

While Penny spends her days in school, Anne Marie, Eden, and Lena juggle jobs as maids at a large resort hotel, but their true passion lies in surfing. Each morning before the sun rises, Anne Marie dedicates herself to training for a potential comeback in surfing, honing her skills by chasing waves along the shoreline, all while balancing their work commitments. With the help of their network of surf enthusiasts, they find the best beaches to hit and practice on every day.

Once recognized as a promising contender in women’s surfing, Anne Marie’s career was abruptly interrupted by a harrowing wipe-out that nearly took her life, instilling in her a paralyzing fear of the surf. The memory still haunts her, as vivid as the scars left behind from that fateful day. Despite her insecurities, her friends, especially Eden, continue to urge her to reclaim her former glory. However, Anne finds herself in a complicated relationship with Drew (Chris Taloa), who dismisses her ability to make a comeback, feeding into her doubts instead of uplifting her. Each time she faces a formidable wave, her anxieties resurface, causing her to falter once again.

Just when hope seems to flicker, Anne receives an invitation to participate in the renowned Pipeline competition, which takes place just a week away. Top professional surfers, such as Keala Kennelly, have begun to arrive in town, signaling the stakes are high. Anne aspires to capture the attention of sponsors capable of transforming her and her friends’ lives, knowing well the lucrative nature of sponsorship deals where surfers can earn thousands just for photo shoots and travel the world for competitions.

As the Pipeline competition draws near, Anne must confront her disintegrating relationship with her sister, who has started acting out; drinking from the fridge and sneaking off to adult parties. Penny’s resentment toward Anne for their mother’s departure complicates matters further.

In the midst of all this chaos, Anne crosses paths with Matt Tollman (Matthew Davis), a charming NFL quarterback visiting Hawaii for the Pro Bowl. Their initial encounter is sparked by Anne’s bold confrontation of another football player making a mess in the hotel, resulting in her dismissal from her job as her manager sides with the players over her.

With her source of income vanishing, Matt proposes a surf lesson for himself and his friends, offering an enticing $150 per hour, much more than the standard rate. Desperate for cash, Anne agrees, with her friends stepping in as additional coaches. However, complications arise when she discovers a call from another woman—his niece—jeopardizing their burgeoning romance.

As her new relationship develops, friction arises in her friend circle, especially with Eden, who believes Anne is losing focus on her training for the upcoming competition. The gossip from other football players’ partners and the pressures of her new romance lead to a whirlwind of criticism, causing Anne to navigate her dedication to both her sport and her relationship.

Determined to refocus, Anne confronts her fears head-on during the Pipeline competition. Although she experiences yet another wipe-out in her first heat, she manages to advance after narrowly beating Kate Skarratt, a professional surfer. With renewed resolve, thanks to Matt’s inspirational words, she prepares for another chance.

Competing alongside the talented Keala Kennelly, Anne faces the ocean once more, grappling with memories of her past fears. However, after Keala offers guidance and support, Anne catches the perfect wave, reclaiming her lost confidence. Though she does not progress further in the contest, her performance captures the gaze of potential sponsors, including an opportunity to join the prestigious Billabong women’s surf team, marking a significant turn in her life.