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.