The most common and most likely answer to this crossword clue is the 13 letter word THUNDERSTORMS
I've seen this crossword clue in The Times
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Buddy explains!
The straight part
We know that "they’re noisy with lots of water!" is the straight/definition part of the clue. The straight part is often a synonym or definition, in this case they’re noisy with lots of water! = thunderstorms.The cryptic/wordplay part
In cryptic crossword there's often an wordplay/cryptic part as well.This part involves a more complex hint, such as an anagram, homophone, hidden word, etc.
Sadly, We don't have an explanation for this specific crossword clue yet.
What does THUNDERSTORMS mean?
THUNDERSTORMS noun- A storm consisting of thunder and lightning produced by a cumulonimbus, usually accompanied with heavy rain, wind, and sometimes hail; and in rarer cases sleet, freezing rain, or snow.