Anne Marie Chadwick (KATE BOSWORTH) is a young surfer living in Hawaii who's trying to make ends meet while pursuing her goal of competing in and winning the prestigious but dangerous Pipe Masters competition.
Living with her surfer friends Eden (MICHELLE RODRIGUEZ) and Lena (SANOE LAKE), Anne Marie works with them as maids at a local hotel while trying to raise her younger sister, Penny (MIKA BOOREM), who's now entering a rebellious stage. She must also put up with local surfers such as Drew (CHRIS TALOA), her former boyfriend, who don't think that girls should be surfing, let alone entering surfing contests.
Determined to prove him and others wrong, Anne Marie works hard at training and mentally preparing herself for the competition, but is still haunted by a near drowning incident three years earlier during another contest. She also finds herself distracted by Matt (MATTHEW DAVIS), a professional football player who, like the comically obese Leslie (FAIZON LOVE), is in town for the Pro Bowl.
After Anne Marie is fired for confronting Leslie about his lack of hotel room cleanliness, she ends up spending more time with Matt. This doesn't sit well with Eden who believes him to be using her for a week of fun before heading home and thus ruining her chances of winning. With the days counting down to the competition, Anne Marie must then decide what's right for her, all while battling internal and external doubts about her ability to compete in the surfing competition.