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Set during a massive flood started by a dam accident in a small town, Christian Slater is an armored truck guard who gets robbed by Morgan Freeman. Slater gets away with all the money and hides it. In a panic, Slater tells the sheriff about the area he hid the money in and the sheriff locks him up. Now Slater has to get to the money and keep himself alive battling the sheriff, Morgan Freeman and his crew and the elements.