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Johnny Utah (Keanu Reeves) is a former Ohio State quarterback and rookie FBI Agent. He and his veteran partner, Angelo Pappas (Gary Busey), are investigating a  string of bank robberies by a gang known as the Ex-Presidents (during their robberies they use masks of former Presidents Ronald Reagan, Richard Nixon, Lyndon B. Johnson, and Jimmy Carter to disguise their true identities). They only raid the cash drawers in the banks they rob--never going for the vault--and are out in 90 seconds. Pursuing Pappas' theory that the criminals are surfers, Johnny goes undercover to infiltrate the surfing community. Knowing nothing of the sport/lifestyle, he persuades orphan surfer girl Tyler Endicott (Lori Petty) to teach him to surf. In the process, Johnny develops a complex friendship with Bodhi (Patrick Swayze), the charismatic leader of a gang of surfers, Roach (James LeGros), Grommet (Bojesse Christopher) and Nathaniel (John Philbin), who accept Johnny when they realize he is a former college football star. As he masters the art of surfing, Johnny finds himself increasingly drawn to the surfers' adrenaline-charged lifestyle, Bodhi's philosophies, and Tyler. Following a clue retrieved by analyzing toxins found in the hair of one of the bank robbers, Johnny and Pappas lead an FBI raid on another gang of surfers. While criminals, this group are not the Ex-Presidents and the raid inadvertently ruins a DEA undercover operation. Watching Bodhi's group surfing, Johnny suspects they are the "Ex-Presidents," noting how close a group they are and the way one of them moons everyone in the same manner one of the robbers does when leaving a bank. He tails Bodhi and his suspicions are confirmed when he sees Bodhi and Roach casing a bank. Johnny and Pappas stake out the bank and the Ex-Presidents appear. The one in the Reagan mask leads Johnny in a furious foot chase through the neighborhood, culminating in Johnny jumping into an aqueduct and causing an old football injury in his knee to flare up again. Despite having a clear shot at Reagan (locking eyes with him), Johnny cannot bring himself to shoot and he escapes. At a campfire that night, it is revealed that Bodhi and his gang are the Ex-Presidents. Their motivation was not profit, but rebelling against the system. Knowing Johnny's true identity, most of the guys want out but Bodhi refuses to fold. The next morning, Bodhi aggressively recruits Johnny into going skydiving with him and his friends. Johnny, still without proof of Bodhi's bank robbing, goes along. After the jump, Bodhi reveals that he knows Johnny is FBI and has arranged for his friend Rosie (Lee Tergesen), a non-surfing thug, to hold Tyler hostage. Johnny is forced to go with the Ex-Presidents in their last bank robbery of the summer. But Bodhi breaks his own rule by going for the vault, pulling too much time. Then Grommet, along with an off-duty police officer and a security guard who try to stop the robbery, are killed. Angered by Grommet's death and by having to kill the cop, Bodhi knocks Johnny out and leaves him at the scene. Defying their boss, Pappas and Johnny go to the airport where Bodhi, Roach, and Nathaniel are about to leave for Mexico (where Rosie awaits them with Tyler). In a shootout, Pappas and Nathaniel are killed, while Roach is seriously wounded. The pilot reveals their destination within Johnny's earshot, jeopardizing their escape plans. With Roach aboard, Bodhi forces Johnny onto the plane at gunpoint. Once airborne and over their intended jump point, Bodhi and Roach put on parachutes and jump from the plane, leaving Johnny to take the blame again. With no other parachutes available, Johnny jumps from the plane with Bodhi's gun, managing to intercept him before he lands, but Bodhi forces him to drop the gun so he can open their parachute and land safely. Upon impact, Johnny's knee gives out again, allowing Bodhi to escape Johnny's grasp. Bodhi meets with Rosie and releases Tyler. Roach dies of his wounds and Bodhi and Rosie leave with the money. Nine months later, a long-haired Johnny, still surfing, tracks down Bodhi at Bells Beach in Victoria, Australia, where a record storm is producing lethal waves. This is an event Bodhi had talked about experiencing, calling it the "50 Year Storm". After a brutal fight in the surf, Johnny manages to handcuff himself and Bodhi together. Bodhi begs Johnny to release him so he can ride the once-in-a-lifetime wave. Knowing he will not come back alive, Johnny releases him, bids him farewell, and watches, with the authorities, as Bodhi goes to his death. Johnny walks away, throwing his FBI badge into the ocean.