In 1992, a category 5 hurricane named “Andrew” hits the town of Gulfport, Alabama. Will and Breeze Rutledge are evacuating from the destructive hurricane with their dad. However, their truck gets stuck after avoiding the toppling tree in front of them, and they are forced to take refuge in a nearby house. While trying to save the truck from blowing away, strong winds blow a water tank and it crushes their father.
In 2018, another destructive category 5 hurricane named “Tammy” approaches Gulfport. Federal Reserve Treasury agent Casey Corbyn is ordered by fellow employee Randy Moreno to summon Breeze, who now works in maintenance and whose brother Will is a National Weather Service meteorologist, to fix the generator at a cash storage facility.
While she is out of the facility, rogue Treasury agents led by Connor Perkins infiltrate the facility and hold Moreno hostage. Their plan is to steal $600 million, and Perkins enlists computer hackers Sasha and Frears to crack the code of the vault. Failing to decrypt it, Perkins realizes that Corbyn may have changed it, so he has his men find her. Sasha and Frears have to use a brute-force attack using the town’s transmission tower.
As Corbyn and Breeze drive back to the facility, they encounter the mercenaries, and Corbyn engages in a shootout with them. Will helps her escape with his Storm Research Vehicle called the Dominator, but Breeze is left behind and is captured and taken hostage, forced to repair the generator.
Will is upset when he learns that his brother is in danger. Determined to save him, he and Corbyn meet Sheriff Jimmy Dixon at his station. Unfortunately, Dixon reveals himself to be one of Perkins’ cohorts and tries to take Will and Corbyn hostage. Corbyn shoots the sheriff, and they escape. When Dixon and one of his deputies chase them, Will manages to knock their car with his Dominator. Realizing that the tower is being used to crack the vault’s code, Will and Corbyn manage to topple it moments before the decryption is completed. Perkins’ men spot them and engage in a gunfight with them, but they escape. Dixon turns on Perkins, confronting him over a botched heist in the previous hurricane. When Dixon wants to claim all the money, Perkins shoots him dead and persuades Dixon’s men to find Corbyn.
While looting a mall, Corbyn calls Perkins and makes a deal for the release of Moreno and Breeze as long as she opens the vault and gets the money. When Perkins asks where the trade will be conducted, Corbyn tells him to meet them at the Gulfport mall. Meanwhile, Will and Corbyn make a plan to shoot the roof glass, causing the mercenaries to be sucked out through the roof. After Will talks to Breeze, who has arrived with the mercenaries, Corbyn shoots the glass roof, sucking the mercenaries out into the storm as planned. Corbyn, Will, and Breeze manage to hold on. After the storm surge, Corbyn gives herself up while Breeze rescues the stranded Will. Back at the Treasury facility as Corbyn and the remaining mercenaries arrive, Perkins breaks his deal to release Moreno and kills him as revenge for the deaths of Jaqi and Xander.
As the eye of the storm passes, Perkins and his men take the money, using three of the facility’s truck trailers, along with Corbyn. Will and Breeze follow them. With the eye wall on their tail, Will and Breeze take over a truck. After a struggle with Perkins, the eye wall sucks the money out of one of the trucks and then the truck itself. Perkins is then killed after his own detached trailer crushes him. When Breeze’s truck engine backfires and burns, Will and Corbyn transfer him to their truck. However, when they attempt to rescue Sasha and Frears, they are sucked into the storm.
William, Breeze, and Corbyn manage to outrun the storm safely, and drive away into the sunshine, having saved $200 million.