Loretta is a mischievous girl who lives in a cabin high up in the Colorado mountains. She loves her garden and the ladybugs that protect it. But where do they go in the winter? On a cold winter day when she was collecting pine needles for her strawberry patch, she discovered ladybugs hiding under a rock. There were even more behind a chunk of loose tree bark.

Through a loving relationship with her parents and her garden, Loretta learns about the life cycle of ladybugs.