Black Monday by R Scott Reiss

When a Muslim cleric predicts planes will fall from the sky, America braces for a terrorist attack. But when the prediction proves true, the real cause is far more terrifying: a microbe that eats oil, effectively destroying all gas-operated mechanisms. Gillette, an epidemiologist at the Centers for Disease Control, understands the devastation that the microbe could wreak. But his far-more-chilling theory is that the microbe is synthetic and the work of terrorists. When no one will listen, Gillette must take it upon himself to stop the epidemic only he can foresee. As the world's economy grinds to a crashing halt, Gillette races against the clock to find the source of the microbe and its antidote.

Lots of action.  It says a lot about how those in charge in America can only see Muslims as the enemy and can't even think of other Americans as terrorists.