Torrential rains and floods force local sheriff (Randy Quaid) and town residents of Huntingburg to evacuate and abandon the town. Tension mounts when an armoured car, sent to transport $3 million from local banks, breaks down and drivers, Tom (Christian Slater) and his Uncle Charlie (Ed Asner), find themselves stranded. Before they know it they are surrounded by a suspicious crew led by Jim (Morgan Freeman). Without warning the crew opens fire. The chase is on, Tom wades his way through thigh-deep waters with the $3 million in tow, Jim is determined to find Tom and the money, the action is non-stop and so is the rain.