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In the small town of Huntingburg, the armored truck with three million dollars driven by Tom and his Uncle Charlie gets stuck in the flooding. They realize 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 () is an armored truck guard who gets robbed by Jim (). 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.
Morgan Freeman
Jim
Christian Slater
Tom
Randy Quaid
Sheriff
Minnie Driver
Karen
Edward Asner
Charlie
Michael A. Goorjian
Kenny
Dann Florek
Mr. Mehlor
Ricky Harris
Ray
Mark Rolston
Wayne
Peter Murnik
Phil
Wayne Duvall
Hank
Richard Dysart
Henry
Betty White
Doreen
Ray Baker
Mayor
Lisa Fuhrman
Mayor's Wife
Jay Patterson
Mr. Wellman
Michael Monks
Father on Local News
Mackenzie Bryce
Baby on Local News
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