The town's dam operator Hank is forced to open a spillway floodgate 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 declined to evacuate and are determined to protect 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 where the money is.