A small and touristy beachside town is hit by a storm the size of which nobody could have predicted. A family who just arrived tries to escape, but gets stuck in the quickly rising waters. They try to figure a way out with the help of some locals, but any progress is shut down when the sharks make their way onto the flooded streets. The family and locals must now find a way to survive as the waters rise.

Polar Bear pursues an act of violence as it ricochets through time. From Aaron as a young boy first encountering the bear, to ten years on, where his own rage finally explodes. Then over four more years on, a now young adult Aaron encounters Lea, both bound to and haunted by the same ghost of violence.