Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden and does well: it discloses that data is provisional USGS, that no API key is needed, that it deliberately omits a derived flood-risk score and why, and that it is real-time rather than static/historical. It stops short of covering failure behavior (no gauge found) or rate limits, but the disclosure is unusually honest and useful.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.