| Director | Mikael Salomon |
|---|---|
| Genre | action film, crime film, disaster film, drama film, heist film, thriller film |
| Runtime | 92 min |
| Country | Australia, Denmark, France, Japan, New Zealand, United Kingdom, United States |
| Budget | $70 million |
| Box office | $19.9 million |
During a heavy rainstorm, Tom and his uncle Charlie, two armored truck drivers, are collecting money from banks in the town of Huntingburg, Indiana, which has been evacuated due to flooding. They are ambushed by Jim and his gang of armed robbers, Kenny, Mr. Mehlor, and Ray. Charlie calls the National Guard and is shot dead by Kenny as Tom escapes and hides the cash in a cemetery.
The gang chases Tom, who takes refuge in a nearby church. There he is mistaken for a looter by Karen who knocks him out. Tom wakes up in a cell and tells Sheriff Mike Collig about the gang and the money. Mike and Chief Deputy Wayne Bryce leave him locked up and investigate, whilst Deputy Phil is ordered to take Karen out of town. Karen pushes Phil out of the boat to return to protect the church, which she is restoring.
The town's dam operator Hank is forced to open a spillway, causing a large wave and deeper flooding. Tom is trapped in his cell as the water rises. After protecting the church, Karen rescues him and they hide from the gang. Kenny is electrocuted. They enter a house and are mistaken for looters by the elderly residents Doreen and Henry Sears, who have refused to evacuate and are protecting their property. Henry is persuaded to give Tom their boat to return to the armored truck. Resurfacing from the submerged truck, he finds the gang holding the elderly couple hostage. Tom says he will tell them where the money is.
Jim reveals to Tom that the latter's uncle Charlie was in cahoots with the gang, and did not actually call the National Guard; he was only killed because Kenny was not told Charlie was on their side. Tom finds the money has disappeared. They are ambushed by Mike and his deputies plus Hank, who have found Karen and intend to keep the money for themselves.
Mr. Mehlor and Ray are killed in the shootout, and Jim and Tom escape and hide in the church. Wayne takes Karen to her house intending to rape her. The others firebomb the church and drive their boats through the stained glass windows. Karen stabs and kills Wayne. Hank shoots Phil for not shooting Tom when he had the chance.
The dam overtop alarm sounds. Mike suggests Tom and Jim should let Hank and him go with a couple of the bags of money. Tom agrees, but Jim does not. Tom leaves to try to save Karen, before Mike shoots Jim with a revolver he was hiding, although Jim isn't badly hurt. Mike and Hank escape in a boat; Hank is then pushed out by the sheriff and is killed in a gas explosion.
Tom finds Karen handcuffed to a banister. He frees her and they climb to the roof to avoid the water where they are caught by Mike. Jim comes from behind them in a boat. Mike shoots at him, disabling the steering, forcing him to go over the roof. As he does so, the engine breaks off and collides with the sheriff, knocking him into the water. Mike tries to shoot Karen as he grabs a bag of money, but Tom and Jim shoot the corrupt sheriff dead. Tom tells Jim he should leave, just as the Indiana State Police arrive. Jim picks up Mike's bag of money and rows away, as Tom tells Karen the fire damage to her church was not too bad and can be repaired.