OKLAHOMA CITY -- It's clean up day for many homeowners this morning after rushing waters tore through homes. Several feet of water invaded homes in northwest Oklahoma City and Edmond.

Clean up efforts are already underway in many neighborhoods. Many homeowners say they do not have flood insurance. They just never expected anything like this to happen.

The rushing waters left behind mud and debris covering the floors and walls of some homes. Paying to repair the damage will be up to homeowners. And typically home insurance plans do not include flood insurance.

A lot of people are facing thousands of dollars of damage in this area. Federal aid normally comes in the form of a low interest loan, not outright money for your losses. And that aid is available when the president declares a disaster.

The governor has declared 59 counties to be in a state of emergency and that is the first step toward seeking federal money.

Blackwell Police Department reports that flooding has occurred on the east and northeast portions of their city. The last flooding occurred on June 30, 2007 when the Chickaskia River crested at 32.7. Emergency Management in Blackwell said floodwaters are beginning to recede Tuesday afternoon. The nearby river crested about four feet over flood stage. No evacuations were necessary and no damage to report.

Guthrie Fire Chief Lester Branch said Cottonwood Creek crested at around 27 feet at 8:30 a.m. Tuesday. They are reporting no homes affected and no evacuations at this time. Police are diverting traffic around the flooded areas.

The following roads are closed due to heavy rains and flooding. Drivers should stay advised as conditions are continually changing.

Garfield: SH-132 two miles south of Drummond (downed power lines and poles)

Kay County:US-177 north of SH-11 in Blackwell and SH-156 between US-77 and US-60

Lincoln County: SH-18, four miles south of Chandler (at Deep Fork Creek)

Logan County: SH-33 west of US-77 in Guthrie (at Cottonwood Creek)

Oklahoma County: Westbound I-40 on-ramp from Council Rd.

Tulsa County: SH-11 between 116th St. N and 126th St. N near Skiatook