In the worst storm in living memory, one guard stands between five men and three million dollars.
The nephew of an armored-truck driver tries to prevent three million dollars from being taken by a local rival gang during a catastrophic flooding caused by a severe storm.
In Huntingburg, the armored truck with three million dollars driven by Tom and his Uncle Charlie gets stuck in the flooding and realizes that the town has been evacuated since the dam does not have capacity to hold the storm. While waiting for the National Guard, they are attacked by Jim and his gang formed by Kenny, Mr. Mehlor and Ray and the clumsy Kenny kills Charlie. Tom flees with the bags of money and hides them in the cemetery. Then he is hunted down by Jim and his gang and he hides in a church. Out of the blue, he is knocked out and awakes locked in a cell. Soon he learns that the restorer Karen believed he was a looter and hit him. Sheriff Mike Collins and Deputy Wayne Bryce go to investigate Tom' story while Officer Phil takes Karen out of the town by boat. However she escapes with the boat and goes to the church. Meanwhile Tom is trapped in the cell full of water and Karen rescues him. He decides to return to the armored truck to retrieve a shotgun but he is captured by Jim and his men and learns that Charlie was part of the gang. He tries to retrieve the hidden money for the gang, but Sheriff Collins and his men have already taken it. Soon Tom learns that the Sheriff wants to keep the money for him and his men and Tom and Karen are witnesses and he teams up with Jim.
Set during a massive flood started by a dam accident in a small town, Tom (Christian Slater) is an armored truck guard who gets robbed by Jim (Morgan Freeman). Tom gets away with all the money and hides it. In a panic, he tells the sheriff about the area he hid the money in and the sheriff locks him up. Now Tom has to get to the money and keep himself alive battling the sheriff, Jim and his crew and the elements.
Young Tom helps his uncle Charlie, who is a bank armoured-truck driver. Criminal Jim leads a gang of four, they want to steal that truck with money, but the city is taken by a flood. Tom manages to hide the moneybags and everyone wants them, including local sheriff, who wants that money for himself.
Heavy Rainfall causes a Indiana river to swell and flood the town. All inhabitants are forced by public services to leave instantly. Tom and his uncle Charlie work for a money transport firm and their assignment is to evacuate all cash from the banks along the flooding river. So, their truck is loaded with about three million Dollars. Hank tries to prevent further flooding, as he's the guy responsible for the dam up the river, but he has to open one gate in order to save the old dam from breaking. Only the police under the Sheriff's leadership stay in town to prevent looting. As the water level rises, Tom and Charlie's Truck gets stuck in the flooded road. This is the moment, Jim, an elderly thief, and his gang have been waiting for. In an attempt to get the money from the truck, Charlie gets shot and Tom swims off to save the cash bags. While trying to hide, he meets Karen, who resisted to leave the old church she has been restoring for eight months. She thinks he is a looter, and calls the cops to bring him in. But as the Sheriff finds out about that much cash in a situation like this, he radios his old pal Hank, up at the dam...