When the protagonist discovers her husband, Frank Dubois, dead at the bottom of the stairs in their Waterloo, Wisconsin home, she insists he fell due to vertigo. Rather than call the police, knowing an investigation will expose secrets far worse than suspicion of murder, she takes Frank's gambling cash, withdraws money from multiple ATMs, and drives his truck south through the night. After a final visit to Dr. Mike, her chiropractor and secret lover, she trades the truck for a Buick at a used car lot and checks into a motel under a false name.
From the motel, she calls Roland Oliver, a construction company owner, and leverages an unspecified shared history to extort a new identity and $5,000. Oliver provides the identity of Amelia Keen, a woman who died in a house fire in Tacoma, Washington, along with identity documents and a blank passport. In Norman, Oklahoma, she transforms her appearance, assembles the passport with her photo, collects the money, and buys a Toyota Camry with cash. Driving away, she feels Tanya Dubois die and embraces her new self as Amelia Keen.
Interspersed throughout the novel are emails between "Jo" and "Ryan," a man from her past, spanning 2005 to 2013. These fragments gradually reveal that Jo left home under dire circumstances, married a man primarily to acquire a new last name, and shares a secret with Ryan involving a fatal car accident and a coverup. The emails deepen over the years, exposing mutual guilt, resentment, and the psychological toll of sustained deception.
As Amelia Keen, the protagonist settles in Austin, Texas, where she meets Blue, a bartender at a bar called May's Well. Blue spots Amelia's forged passport but rather than turn her in, reveals her own situation: She is actually Debra Maze, a former third-grade teacher fleeing an abusive husband named Jack Reed, living under her cousin's identity. Two men ambush them outside the bar at gunpoint; one calls Amelia "Tanya," revealing knowledge of her previous identity. Amelia panics, kicks the driver, and pulls the emergency brake, crashing the car. Blue kills both men. They flee to Blue's guesthouse, where Amelia reveals her entire life story for the first time.
In the weeks that follow, they attend funerals, searching for recently deceased women whose identities they might assume. Blue tells Amelia she shot her husband Jack after he tracked her down with a knife, and needs help burying his body. Blue proposes an identity swap: Amelia will become Debra Maze, and Blue will take the Amelia Keen name, reasoning the men targeted the person, not the name. Blue provides teaching credentials and fingerprint cards for Wyoming, where verification is lax. They swap appearances, and Blue gives Amelia a Cadillac, cash, and a gun that Amelia later realizes was Jack Reed's.
The protagonist drives to Wyoming, briefly meeting Domenic Lowell, a sheriff in Casper whose badge sends her fleeing. She gains weight to alter her appearance, obtains a driver's license as Debra Maze, and secures a teaching position in Recluse, a near-ghost town. She teaches 18 students, bonds with Andrew, her brightest eight-year-old pupil, and secretly copies the identification documents of Emma Lark, a deceased former teacher, as a backup identity.
Her stability shatters when Jack Reed arrives at her door, very much alive; the man Blue killed was someone else entirely. Jack attacks her, demanding to know Blue's location. She shoots him, forces him into her trunk, drives to Dead Horse Lake, and kills him, concluding it is his life or hers. Meanwhile, Domenic tracks her to Recluse and grows suspicious. When he confronts her, she deliberately crashes her Cadillac into a guardrail, incapacitating him, calls 911, and flees.
Her flight accelerates as she burns through identities. She uses the name Emma Lark on a train but is recognized as Tanya Dubois. She flees, shears her hair, and steals a wallet to become Sonia Lubovich. She retreats to Camp Wildacre, an abandoned summer camp in upstate New York, rigging her cabin with concealed traps for security. When hunters discover her, she escapes. She squats in vacation homes and reconnects with Ryan by checking her old email. Ryan reveals her mother has lung cancer and warns that a writer named Laura Cartwright with ice-blue eyes is investigating the old case. The protagonist recognizes Blue.
While squatting in a cabin in Saranac Lake, New York, belonging to a man named Reginald Lee, she discovers a basement arsenal and bags of ammonium nitrate fertilizer, an explosive compound. Unable to get police to act without a warrant, she confronts Lee at gunpoint. When he charges her, she kills him and sets the house ablaze, detonating the stored explosives. She acknowledges she has become the "cold-blooded murderer they'd always said I was" (253).
On a train, she sees a news report: Her mother, Naomi Glass, has confessed to fraud and publicly declared her daughter Nora Glass innocent. On the Empire Builder, a long-distance westbound train, her full backstory emerges. Her real name is Nora Jo Glass from Bilman, Washington; her father, Edwin, died by suicide, and her mother, Naomi, was a neglectful alcoholic having an affair with Roland Oliver. Nora befriended her swim-team rival Melinda Lyons and fell in love with Ryan Oliver, Roland's younger son. On prom night, Ryan's brother Logan, drunk and obsessed with Melinda, rammed the car of Melinda's boyfriend, Hank Garner, off Skyline Bridge into Moses Lake. Melinda and Hank died. Nora saved Ryan from the sinking car despite a concussion and head wound. At the hospital, Logan and Ryan told police Nora was driving. Roland offered Nora a choice: face trial with two eyewitnesses against her, or disappear with a new identity. Naomi had already packed her bag. Nora received the identity of Tanya Pitts, $10,000, and instructions to disappear.
Arriving in Bilman after a decade, Nora walks into the police station and announces her real name, but the desk officer dismisses her; there have been 14 impostors over the years. She learns Naomi died two days earlier. Blue, posing as Laura Cartwright, tells Nora all charges have been dropped: Ryan has finally made an official statement that Logan was driving, and Naomi made a deathbed statement as well.
At Naomi's funeral, Blue lures Logan outside and drives his Range Rover off the bridge into Moses Lake. Nora dives in to save Logan, but his seat belt jams and he grabs her collar underwater, trying to drown her with him. He inhales water, convulses, and releases her. His death is ruled a vehicular suicide. Blue gives Nora a document revealing that Roland Oliver is her biological father, explaining why Roland and Naomi were desperate to send her away. Nora confronts Roland, who confirms the truth. She repays his money and leaves. Ryan visits Nora before she departs. They kiss, acknowledge they have ruined each other's lives, and agree never to see each other again.
In the epilogue, Nora drives to Casper and returns to Sidelines, the bar where she met Domenic. He sits beside her, and she touches the scar on his forehead, the one she gave him. They agree to start over. When he asks her name, the novel ends without her answering, leaving the question of who she will become open.