RedactedNarrative: V1 WAS TRAVELLING INBOUND IN THE WITHLACOOCHEE RIVER, NEAR MARKER 29A, OFF PLANE AT A SLOW SPEED.  THE WIND WAS OUT OF THE NORTHWEST BETWEEN 10-20 KNOTS, THE SEAS WERE 2 FEET.
  
  THE ENGINE ON V1 DIED AND THE OPERATOR FOUND THE VESSEL TO BE FULL OF WATER UNDER THE DECK.  V1 TOOK MORE WATER OVER THE STERN AND COMPLETELY FLOODED, THEN CAPSIZED.  THE OPERATOR GRABBED A PFD AND GAVE IT TO occupant.  THE OPERATOR CALLED 911 FOR HELP.  USCG RESPONDED AND RECOVERED ALL OCCUPANTS.
  
  EMS WAS REFUSED AT THE CRYSTAL RIVER FWC OFFICE BOAT RAMP.