Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the behavioral disclosure burden. It clarifies the time window (90 days), denominator (per 100 dwellings), and rollup levels, which is useful. However, it does not disclose what the returned rows represent, how high/low values should be interpreted, or whether the data is a snapshot.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.