Sloan Alexander was from Kansas City. He now had no family, no home, no one waiting for him and no money to speak of. His mother had remarried when he was fourteen and he felt like he didn't belong anymore. His stepfather beat him and when he left his mother met him down the road and gave him some food and money and told him never to return. She was starting a new family with her new husband and there was no room for him. Sloan joined the Confederate Army to get regular meals. He was captured and put in prison. His only way out was to become part of the Union Army, not to fight Southerners but to fight the Indians. Both sides hated him and he was part of what was called a Galvanized Yankee. He was at the isolated stagecoach station waiting out a Texas storm. The war had been over for three years now but there were both ex-Yankee and ex-Union soldiers drinking at the station and he was recognized. Sloan was held down and beaten.
McCall Harrison was a widow of a Confederate officer and she stepped in to stop the beating. She took Sloan upstairs where her older companion, Alyce Wren was waiting and she cleaned him up and bandaged his broken ribs. McCall came from a ranch her grandfather had built and named called Phantom Ridge. McCall learned how to ride almost before she could walk. Her father never slapped her, neither did he hug her. He punished with a look and rewarded with a word. She felt ghosts surrounding her when at the ranch so she closed up the ranch after her husband died and moved to the station. Her father had introduced her to her husband, Holden Harrison when she was seventeen. He was close to twenty years older than McCall. Holden and her father were together at West Point. She had expected adventure in marrying Holden. She got war. She followed him through the war, staying well behind the fighting lines. When he was gut shot, she went to the battlefield and stayed with him until he died. McCall swore that no one could live up to his standard and she would wear black until the day she died. During their marriage, Holden would go days without saying a word to McCall that wasn't meant for his men as well. He had kissed her on the cheek a few times be he had never kissed her on the mouth. Their lovemaking had almost seemed detached from their real lives as if he didn't see her at all. They always slept in separate beds.
McCall and Alyce needed Sloan's help. They had eleven Indian children with them that they had been hiding. McCall wanted to return the children to their families. Sloan agreed to drive one of the two wagons and help her and Alyce. Before their first night out, one of the older Indian boys woke Sloan up with a knife at his neck. Winter couldn't have been more than seven or eight. Winter told Sloan that he didn't need to come with them. They would be fine without him. Sloan convinced Winter that he was coming along to make sure the women made it back after returning the children home. Winter sat with Sloan on their first day driving the wagon and told Sloan that he was the son of Black Kettle's sister, a Cheyenne. His father was a trapper named Adam McQuillen. After his father died, Winter was more accepted by his mother's tribe than by the white people so he stayed with his mother. Custer attacked them and the children were all told to run to the Washita River. The army wouldn't bother them there. The children were found and gathered together by an old medicine man named Willow Hawk. The medicine man got sick and a friend of Alyce's treated him and was told where the children were hiding. The children were all snuck into the station and were waiting to be taken home. McCall and Sloan were talking and laughing that first night out. McCall leaned in close to Sloan and rested her cheek against Sloan's heart. Sloan kissed her. McCall backed off and told him never to do that again. They didn't speak much for the next three days. His advance that night bothered McCall because she hadn't seen it coming. She had been treated as one of the boys for so long, she wasn't used to being treated like a woman. McCall talk to Sloan on their fourth night out to clear the air and they declared a truce.
A few days later, some of the children got sick. McCall also got the fever. Alyce took care of the children but made Sloan tend to McCall. When her fever broke, while McCall was still half asleep, Sloan started touching McCall and she reacted to his touch thinking it was a dream. She came fully awake after he had removed her clothing to her waist. She started to attack Sloan but he told her that she was more mad at herself for her enjoying his touch and kissing more than she was mad at him for doing it. He told her that he had bathed her and treated her during the days she was sick. That night McCall took a couple of shots at Sloan while he was bathing in the river. There was a mountain man near that attacked her because he thought McCall was firing at him. Sloan bested him in a short fight and the mountain man thought Sloan looked familiar. He had been in one of the Yankee prison camps. He moved on saying he was meeting up with someone else. They had seen some Apaches earlier in their travels and he wondered if the mountain man was meeting up with the Apaches.
A few days later, they saw some wagon tracks and McCall made the decision to follow the tracks. They met up with some people in what was called a hide town. It was made up of people who killed animals for their hides and left the bodies to rot. They ate dinner and spent the night with them. One of the men called Moses told Sloan that he had seen the Apaches and some white men. They were looking for the children to kill them for their scalps to make some money. He had noticed the wagons following them and knew they were hiding the children.
A few days later, Sloan was scouting and found Eppie, Moses' wife. She had escaped from the Cheyenne Indians. McCall and Sloan went and found the Indians and returned the children. They ate dinner with all the children except for Winter. He had left with the Indian's leader. Winter was told by their leader that his days with the Indians were over and cut off his braids. Winter's mother was dead and Winter no longer had a home. McCall told Winter he now belonged to them. McCall tried to get Sloan to agree to be a father to Winter and even agreed to let him bed her. Sloan wouldn't agree. He told McCall that he wanted to make love to her not bed her to seal an agreement to become Winter's father. When the finished talking, the Indian leader was at their wagon. He had Winter tell Sloan that there were men and Indians looking for him. Sloan knew of a group of soldiers called Satan's Seven were after the men who agreed to join the Union army to fight the Indians. They were looking to kill all of the Galvanized Yankees.
Sloan told Moses to take the women and Winter to the fort and he'd meet them there. He was going to try and get to the men following him before they found him. One of the Indians caught Sloan and they fought and Sloan killed the Indian. He headed to the fort and went to McCall. She cleaned him up and bandaged his wounds. They made love that night and when Sloan woke up, he discovered that McCall had left on the stage. Sloan dressed and followed her. He had to protect her from the men chasing him. They had a picture of her that they took from Sloan's possessions that they had.
McCall arrived at the next station on the line and a friend of her husband's was there, Starkie was his name. McCall found out that her husband had someone else he had slept with while they were married. She wasn't used to showing emotions and was having a hard time dealing with feeling something for Sloan. Now she discovered that her husband never really loved her as she loved him. She cried herself to sleep.
As she was getting on the stage for Ft. Worth in the morning, Sloan arrived and got on too. A wheel broke on the wagon so McCall and Sloan went back to the station to get help. The stage came back with trouble in the form of the guys hunting for him arrived right behind it. Winter had come and brought horses for McCall and Sloan. They took off when they noticed something was wrong. Winter went to the station for supplies while McCall and Sloan headed to McCall's farm. When they arrived, they finally talked. McCall hated the house and Sloan told her why. McCall couldn't be a son so she was raised to be the perfect officer's wife. She kept everything in order, followed a timetable, reasoned out strategies, never showed feelings and never complained. Holden never wanted anything more from her than for her to have more sons to be soldiers. He didn't cherish her as a husband should. He wanted her as his second, not as a woman. With Sloan's help, they threw her father's things outside. Annie, the station master's daughter, came with supplies and they loaded up things McCall didn't want from the house. McCall thanked Sloan for helping her clean house so that she liked it better. Annie was happy to take the household items back to the station with her. Alyce was with Annie's father at the station taking care of him after he had been beaten by the men after Sloan. She sent a map with Annie and it led to a dugout that was her grandfather's original home. McCall said that she could stay there and Sloan could sleep in the barn. She then left and went to visit Lacy, who was her dead husband's lover. She told Lacy that she knew about her and Holden and that she didn't hate her for loving Holden. Sloan had followed McCall and overheard the conversation between the two women.
When McCall arrived back home, she went to Sloan in the barn. They make love in the barn and late into the night moved into the dugout. Sloan got up in the morning to get their clothes left in the barn and Alyce and Starkie were at the entrance to the dugout when he came out. Starkie had Lacy behind him. He had gone to Lacy to see if she knew where McCall was. They all went to the house for breakfast and Starkie guarded the house while Sloan cleaned up and shaved. They were attacked that afternoon and McCall was shot in the shoulder. One of the four riders was killed and another wounded. They all ran off and Sloan chased them. He scared the last two away and went back to face Bull. Bull had snuck up the back stairs while Starkie was distracted by Lacy. Alyce was tied to her chair but had a gun under the quilt on her lap. Sloan eased over to the chair and got the gun and shot and killed Bull. Bull had told Sloan that he didn't care if the war was over. He just enjoyed killing people.
Later, McCall had a son and a daughter. Winter moved North where the land was wilder and he liked it better. Sloan was raising horses on McCall's property. Lacy and Starkie became a couple and stayed to help with the ranch with Lacy cooking and Starkie helping out around the ranch and they both watched the kids along with Alyce.