The Treasure of the Hairy Cadre — Susan C. Daffron

For elementary school teacher Sara Winston, being a camp counselor is the ideal summer job, if only she can pass the canoe test. As a former all-star athlete Sara knows she needs to practice, so she heads out on a solo excursion to hone her paddling skills. A sudden lightning storm drives her to shore, and while waiting out the deluge, she encounters a bedraggled man who is definitely not rainwater fresh. Zack Flanagan looks like a soggy, sweaty pirate, so when he reveals stories of hidden treasure, Sara is convinced he's a harmless nut case. But when someone steals Sara's canoe leaving them stranded in a remote uninhabited area miles from anywhere, she considers the possibility that Zack might not be so crazy after all. Someone else might be after the treasure--and them.