The small town of Huntingburg is forced to evacuate when torrential rains bring rising flood waters. The local sheriff (Randy Quaid) and town residents, having been through this before, are all too familiar with the looting and petty thefts that take place in an abandoned town. What they are not aware of, however, is the planned heist of an armored car sent to transport the $3 million from local banks. The tension begins as the armored car breaks down and the drivers, Tom (Christian Slater) and his Uncle Charlie (Ed Asner), find themselves stranded. Their radio transmission for help is intercepted, and before they know it they are surrounded by a suspicious crew led by Jim (Morgan Freeman). Without warning the crew opens fire.