Never underestimate the environment. Weather is the condition of the atmosphere. It can be observed and measured. Factors that determine weather are temperature, barometric pressure and wind. Weather affects the condition of open water and can change suddenly.
Smart boaters check the local forecast the night before going boating and again in the morning.
Be alert to weather you can see. In a small boat, put on your life jacket and head for the nearest shore. Beach your boat if you must. Stow anything that is unnecessary. Close up the boat and decide what to do.