A Molokai-based civilian pilot and an undercover DEA agent intercept a delivery of diamonds intended for druglord Seth Romero. Seth, his henchmen, and other island undesirables launch a full-scale assault on the duo. If they're going to survive, they'll need the help of agent Rowdy Abilene and his partner/kickboxing expert Jade.

Former beach bunny/girl surfer Francine “Gidget” Lawrence is an adult and married to her long-term beau Jeff “Moondoggie” Griffin. She deals with a variety of marital spats, as well as running her own travel agency, running interferences with her teenage niece, and trying to arrange a reunion of her husband’s old surfing friends. Meanwhile, Jeff works as an architect and must fend off romantic advances from his beautiful and lascivious boss. Gidget’s niece wants to learn how to surf and gets too much when she sneaks out to see a suave, self-serving beach bum behind the back of her nerdy boyfriend.