The Raft by S.A. Boden

Robie is an experienced traveler. She's taken the flight from Honolulu to the Midway Atoll, a group of Pacific islands where her parents live, many times. When she has to get to Midway in a hurry after a visit with her aunt in Hawaii, she gets on the next cargo flight at the last minute. She knows the pilot, but on this flight, there's a new co-pilot named Max. All systems are go until a storm hits during the flight. The only passenger, Robie doesn't panic until the engine suddenly cuts out and Max shouts at her to put on a life jacket...