Cowboy heat— nic love island
Summary— When the villa lights blaze for the infamous Heart Rate Challenge, you and Nic turn up the heat higher than anyone expects. But it’s behind closed doors where the real fireworks happen—and Nic proves just how insatiable he can be for the girl who’s stolen his heart…and his head.
Warning—Contains explicit sexual content, oral sex (fem receiving), overstimulation, mild hair-pulling, public sexual teasing, explicit language, and a partner touching himself during sex.
The villa’s lit up with neon lights, music thumping as the Islanders gather around the firepit. Tonight’s the Heart Rate Challenge, and the vibes are downright feral.
You’re sitting with your girls around the fire pit, nerves buzzing like static under your skin. None of you have your costumes on yet—you’re still in your usual villa fits, waiting your turn while the boys go first.
Nic’s somewhere inside with the other guys, getting ready. You haven’t seen him in costume, and he hasn’t seen yours either. That’s the whole point—and the suspense is killing you.
You’re clutching the edge of your seat as boy after boy makes his entrance, each strutting out in ridiculous outfits and grinding to music while the girls squeal and laugh. But your mind keeps drifting to Nic, wondering what the hell he’ll be wearing…and how you’re supposed to breathe when it’s your turn.
Finally, it’s Nic’s name they call. He comes swaggering out in full cowboy mode: a tilted hat over those sharp grey-blue eyes, brown curls peeking out, tan skin glowing under the lights. His denim jeans cling low on lean hips, and the big cowboy belt buckle gleams above a teasing flash of abs.
Your jaw drops. So does everyone else’s.
The music shifts to some dirty beat, and Nic struts into the center of the circle, flashing a wicked grin and running a hand down his body. The girls shriek. The boys hoot and whistle.
He starts swaying his hips, rolling them to the beat, thumbs hooking into his belt loops. His bare chest gleams under the lights as he grins at the screaming crowd, muscles flexing with every twist and thrust.
Your eyes lock across the circle.
He beckons you with two fingers. “C’mere, baby.”
Your jaw drops. “Wait—ME?”
You laugh, but your feet move on instinct, heels clicking as you cross the patio toward him. As you step up, Nic’s hands come around your waist, yanking you in. The scent of him—clean, sharp cologne mixed with his warm skin—makes your head spin.
Nic twirls you dramatically and lays you down on the center cushioned bench like you weigh nothing. You’re half-giggling, half-mortified as the crowd shrieks.
Then he leans in, gaze dark, and licks a slow stripe from your ankle, all the way up your calf… your thigh… tracing over the bare skin between the top of your stockings and the delicate lace edges of your one-piece.
You whimper. The crowd goes feral.
He keeps going, tongue tracing over the front of your dress, over your cleavage, and finally up to your neck, where he nips you gently. Your breath hitches, chest heaving.
And then his lips crash onto yours.
He kisses you deep, hot and messy, his tongue parting your lips. And right in the middle of that heated kiss, Nic reaches up and wraps a fist around your braids, tugging just enough to make you gasp.
“Oh my God!” one of the girls screams.
You moan into his mouth, gripping his biceps as the kiss grows filthier. His hat falls off somewhere in the shuffle. His hand fists tighter in your braids, pulling your head back a little, letting him kiss down your neck again.
Your brain’s a melted puddle.
Nic finally pulls back, leaving you breathless on the bench. He’s grinning like the cat who got the cream, curls sweaty and eyes gleaming.
“Heart’s racin’, huh?” he teases.
You shove at his chest, laughing, even though your legs are trembling.
Your pulse is still pounding as you stumble back to your seat, breathless, your lips tingling from Nic’s taste.
You collapse onto the bench beside the girls, pressing trembling fingers to your lips. You’re still wearing your usual villa fit — a yellow lace jumper — and suddenly you feel so exposed.
Your friends are all over you.
“Bitch. BITCH. The tongue. The BRAIDS.”
“You’re not surviving tonight.”
“Your heart rate’s gonna break the machine!”
You bury your face in your hands, laughing, cheeks on fire. But deep down, there’s a buzzing in your chest. Nic’s scent is still clinging to your skin, your body still thrumming from the feel of his tongue on your thighs.
You barely hear the host over the roaring crowd.
“Alright, Islanders…it’s time for the girls. Y/N, you’re up!”
Your head snaps up. “Wait—ME?!”
The girls shriek, shoving you up from the bench.
Your heart’s trying to beat out of your chest as you sprint inside the villa.
Inside, your costume is waiting in a white paper bag on the dressing table. You rip it open with trembling hands.
A tiny white dress that barely covers your ass. Lacy white thigh-high stockings. A red cross emblem over your chest. A tiny nurse’s hat.
You peel off your villa clothes and slide into the dress, gasping as the tight fabric molds to your curves. You adjust your knotless braids over your shoulders and look in the mirror.
Your brown skin glows under the bathroom lights, and your lips are still swollen from Nic’s kisses. You bite down a smile.
Cowboy’s not ready for this.
When you step back outside, the villa explodes.
Nic’s eyes find you instantly. He’s sitting with the boys, hat in hand, looking freshly wrecked from his own performance. But when he sees you, his jaw drops.
“Holy…fucking…shit,” he breathes.
The host calls out, “Let’s see what the Nurse has in store!”
The music slams on — dirty, thumping bass.
You strut forward, hips swaying under the tight dress. The girls scream. The boys go feral.
Nic’s practically vibrating where he sits, eyes glued to the way your braids swing over your shoulders.
When you reach him, you push him gently onto the bench and swing a leg over his lap, straddling him. His hands immediately fly to your waist, fingers digging in like he’s trying to steady himself.
“Jesus Christ,” he mutters, eyes sweeping over you like he’s starving.
You lean in close, lips brushing his ear. “Time for your checkup, cowboy.”
You start moving your hips slowly, not grinding hard, just shifting and rolling against him in a teasing rhythm. Nic lets out a shaky breath, chest rising and falling faster as he watches you, his fingers tightening on your sides.
“Fuck…baby…” he pants, voice rough and low.
Your hands trail over his bare chest, feeling the heat of his skin under your palms. You tilt your head and flash him a wicked smile.
Then you snatch his cowboy hat off his head and slap it onto yours.
Nic’s eyes go wide. “Don’t— don’t do that to me.”
You laugh softly, still rolling your hips in slow, controlled motions, your braids swaying around your shoulders. Nic looks completely wrecked, pupils blown, mouth parted.
Finally, you lean down and kiss him, deep and hot.
The villa goes wild, cheers echoing around you.
When you finally pull back, both of you are breathless, faces flushed.
You hop off his lap, smoothing your white dress as the crowd continues screaming.
Nic just sits there for a second, looking utterly undone, curls sticking to his forehead.
“I’m…fucking…done,” he mutters, shaking his head.
You blow him a kiss, grinning wickedly.
“The Islander who raised the most heart rates tonight… is Y/N!”
The villa LOSES it. The girls tackle you in a screaming group hug. Nic just strides over, pulls you into his chest, and crushes his mouth onto yours.
Nic grins into the kiss. “No shit.”
The villa LOSES it. The girls tackle you in a screaming group hug, shrieking and laughing.
When they finally let you go, you look over and find Nic sitting there, a slow, wicked smile spreading across his face. He’s cheering like the rest, his eyes locked on you like you’re the only person in the villa.
Then he calls out, voice warm and playful. “That’s my girl.”
You can’t help laughing, heat flooding your cheeks as he keeps applauding, grinning like you’ve just made his entire year.
The villa’s calmed down, music still drifting downstairs.
Nic can’t stop staring at you in that tiny nurse outfit.
You’re heading toward the stairs when Nic grabs your wrist and drags you into the bathroom.
He slams the door shut behind you.
Nic’s eyes are wild as he locks the bathroom door. You’re barely in the room before he’s on you, big hands grabbing your waist and slamming your back gently against the tile wall.
“You’re evil,” he growls, crowding in close. His breath’s hot against your mouth. “You fucking ended me out there.”
You’re breathless, giggling as you shove lightly at his chest. “It’s the Heart Rate Challenge, babe.”
Nic doesn’t laugh. His eyes drop to your lips, dark and dangerous. “Nah. You knew exactly what you were doing.”
Before you can retort, his mouth is on yours — hard.
The kiss is messy, wet, all teeth and tongue. He’s kissing you like he needs oxygen from your lungs. His hands roam your sides, fingertips skating up your ribs until they’re brushing the underside of your breasts through the tight nurse dress.
You gasp into his mouth. Nic takes advantage, tongue plunging deeper. He grabs your braids in one fist and tugs your head back just enough to expose your neck.
He licks a stripe up your throat, then sucks at the delicate skin beneath your ear until you’re shaking.
“Been thinking about this all night,” he mutters. “You struttin’ out in this little fuckin’ outfit…” His voice breaks off as he looks you over, eyes hooded. “I’m down so fucking bad for you, baby.”
Your thighs press together. “Nic, we should go back out there…”
He huffs out a dark laugh. “Fuck that.”
Before you can protest, he lifts you effortlessly, spinning and setting you down on the bathroom counter. The cool stone makes you gasp. Your legs fall open automatically, and he steps right between them.
Nic kisses you again, deeper, his tongue sliding into your mouth while one hand cups the back of your head. His other hand is already dragging your dress higher, fingertips grazing your thighs.
“Nic…” you pant, breaking the kiss. “Someone might come in…”
“Let ‘em,” he rasps, eyes blazing. “Let ‘em hear how good I make you feel.”
His eyes drop to your center, and he lets out a low groan.
“You’re killing me in these, baby.”
You glance down. Your lace panties are still on, the white fabric soaked through where your arousal’s bleeding through.
Nic drags his fingertips over the wet patch, pressing down gently. The contact makes you jump, your hips bucking off the counter.
Nic smirks. “Sensitive, huh?”
You let out a strangled sound as he sinks to his knees in front of you.
He leans in and presses an open-mouthed kiss right over your panties, lips hot through the thin lace. You let out a strangled moan, your braids spilling around your shoulders as your head falls back.
He does it again, kissing you through the fabric, then flicking his tongue over your clit, still separated by lace.
Your whole body jolts. “Oh—oh my God…”
He growls low, his breath hot against you. “I can taste you even through these.”
Your moans echo off the bathroom tile. You try to slap your hand over your mouth, but Nic rips it away.
“Don’t you fuckin’ hide those sounds from me.” His voice is a rough snarl, eyes blazing.
He looks up at you, holding your gaze as he presses another lingering lick over your clit. Your thighs tremble violently.
The eye contact alone nearly finishes you.
Your hips jerk up from the overwhelming sensation, but Nic just grabs your thighs, holding you still.
He continues licking and sucking through the soaked fabric, his tongue tracing circles over your clit, relentless and focused. You claw at the counter behind you, breath hitching on every gasp.
Finally, Nic curls his fingers into the waistband of your panties.
He tugs them down your legs and flings them somewhere over his shoulder. He tugs your panties down your legs and flings them somewhere over his shoulder.
Before he leans in again, he pauses, one hand resting on your thigh as his eyes flick up to yours. His voice is low, rough but gentle.
“If it gets too much, babe…tap my shoulder, yeah?”
Your chest squeezes at how soft his expression goes, even with his lips still glistening. You nod, breathless. “Okay.”
Nic’s grin turns wicked again. “Good. Now…where was I?”
Before you can even catch your breath, he dives back in.
He licks a slow, devastating stripe right up your bare pussy, groaning like he’s tasting heaven. His tongue moves faster, flicking over your clit, sucking it into his mouth as he moans deep in his chest.
“Shit…shit…” you gasp, legs trembling around his shoulders.
The pleasure’s too sharp, building and crackling through every nerve until you’re trembling all over. Your thighs start to shake uncontrollably, your hips trying to pull away from his mouth as the pressure coils impossibly tight in your belly.
“Nic…I’m—” you whimper, voice breaking.
But it’s too late. Nic growls low, dragging you closer instead, his hands gripping your hips like a vise.
“Oh no, baby,” he murmurs against you, breath hot and wet. “Don’t run now. Let go for me.”
Then he sucks your clit deep into his mouth, tongue flicking in rapid, devastating strokes.
White heat explodes behind your eyes as your orgasm slams into you, ripping a strangled cry from your throat. Your thighs clamp tight around his head, your braids whipping around your shoulders as your back arches off the mirror, body shaking uncontrollably.
Your whole body goes slack as the waves finally start to ease. You’re gasping, chest heaving, vision blurry with tears of pleasure. A shudder runs through you as you try to catch your breath, hips twitching under the soft brush of his tongue.
Instead, he keeps licking, slower now but just as thorough, dragging his tongue over your oversensitive clit and tasting every drop. His eyes flick up to yours, dark and relentless, as if daring you to try and pull away again.
“Fuck, Nic… I can’t…” you whimper, voice trembling. But he just groans low in his throat and dives back in, tongue working you toward the edge all over again.
The pleasure’s so painfully good, you can barely keep your eyes open…but when you finally look down, something catches your eye.
Between his spread knees, Nic’s free hand is buried low, palming himself through his jeans. You realize his hips are subtly rocking, pressing into his own touch as he moans into you.
Your eyes go wide, a hot flush blooming over your chest. The shock and raw desire punch the air right out of your lungs.
“Nic…oh my God…are you—” You can’t even finish, voice breaking as your thighs tremble.
Nic pulls back just enough to answer, lips slick and swollen. His eyes are glassy, pupils blown wide.
“Fuckin’ can’t help it, babe,” he pants. “Look at you…shakin’ for me like that. I’m so fuckin’ hard, it hurts.”
Your stomach flips violently, heat flooding every nerve. The sight of him getting off just from tasting you sends another pulse of liquid want rolling through your body.
Your hips try to squirm away again, overwhelmed, but Nic just flashes a wicked grin and locks his hands around your thighs, dragging you back toward his mouth.
“Uh-uh. Stay right there. Let me finish my meal.”
Then he dives back in, tongue moving in devastating flicks over your swollen clit. The filthy, wet sounds fill the bathroom, punctuated by Nic’s ragged groans as he keeps stroking himself.
He glances up at you while sucking harder, eyes blazing. “Look at me when you cum again.”
That command shatters you. Your second orgasm slams into you like a freight train, ripping a strangled scream from your throat.
Nic keeps going, ignoring your gasping pleas, licking you through every wave of your release. Soon another orgasm quickly rises.
“Give me one more babygirl.”
A pornographic moan releases from your mouth as your third orgasm tears through you, even harder than the first two, your thighs clamping tight around his head as your entire body shakes.
Nic groans like it’s his own release, his hips jerking subtly against his hand as he swallows every drop.
When you finally collapse against the mirror, boneless and shaking, you’re gulping in ragged breaths, your body trembling as the last waves of your orgasm fade.
But even as you’re coming down, you feel Nic’s tongue still moving, only slower and much gentle this time, carefully licking over your sensitive flesh as he tries to clean the mess you’ve made.
A surprised squeal bursts out of you, half laugh, half gasp, as your hips jerk away from his mouth. Your hand flies into his curls, gripping tight as you tug at his head.
“Nic, I swear—” you gasp out, voice trembling, equal parts overwhelmed and wrecked with heat.
He pauses, glancing up at you with those dark, dazed eyes, lips and chin glistening, breathing hard.
“What?” he murmurs, voice husky and playful. “Just tryin’ to clean you up, baby, too much?”
You stare down at him, cheeks flushed, still trembling, a weak laugh bubbling out of you. “Just sensitive, You’re killing me.”
But even as you say it, your voice is low and throaty, thick with a desperate, turned-on edge that makes Nic’s grin go wicked.
He rises slowly, hands sliding up your thighs and around your waist, pressing soft, reverent kisses across your stomach, chest, and neck.
“Good,” he murmurs, lips brushing your skin. “Because I’m never getting enough of you.”
He kisses the corner of your mouth, his eyes blazing with mischief.
Despite yourself, you let out another breathless laugh, tugging him closer as he captures your lips in a softer, lingering kiss that leaves you dizzy all over again.
