Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent, non-destructive and openWorldHint=false, so safety is covered. The description adds genuinely new context: the data source (Environment Agency surface-water, i.e. not river/sea flooding), the geographic restriction, that it is free to call, and that it fails without a UPRN — behavioral facts not present in the annotations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.