no, it’s just that phones won’t constantly look for your current location, unless you’re running something that forces the phone to do so. (constantly looking for location can eat up a lot of power, especially on older phones.) when you take a photo in your phone app, it will add coordinates to the photo that represent the last location that the phone picked up. so if you’ve moved significantly since then, then the location added to your photo metadata could be significantly off.
in my opinion, the easiest thing to do is to open up your map app, find your current location, then switch to your photo or iNat app to take a photo.
if you can use GPS, it will generally be more accurate than wifi and cell tower location.