When Phoebe Cartwright finds Sinn Torrissen, a naval officer and meteorologist, frozen half to death in the middle of a thunderstorm, she believes she’s saved his life. Sinn, unfailingly competent and infuriatingly arrogant, disagrees. In Phoebe’s small country town to track down the members of an illegal horse-racing syndicate, the last thing he needs is to become entangled with Phoebe.

A much-loved member of her community, the prickly and independent Phoebe is used to solving other people’s problems. So when she learns her younger sister could be implicated in their father’s dishonest accounting for the syndicate, she insists on working with Sinn to uncover the truth.

Sinn is both confused and entranced by the passionate Phoebe but Phoebe is determined to protect her sister above all, and the secrets she cannot tell Sinn threaten to sweep his investigation - and their romance - way off course. With clouds building on the horizon, can Phoebe and Sinn weather the gale and find in each other a shelter from the storm?