YOu can still see the shadows of the dress. It's a great idea in trying to avid being nude, but I think it could have been done just slighly better. Maybe extend the frame further up the legs. May give off more of a nude impression.
This photo makes me smile as her tentative approach in entering the water echoes my style. I do think that this photo is a bit of a stretch for a nude challenge and your votes will probably reflect that.
You are missing the other 75% of the body... Technically its a average shot where nothing really stands out on technical merits, and conceptually is quite on the weak side. Now imagine a young child having the time of their life playing carefree in a puddle in the rain in a toned black and white image with some strong bokeh in the background that would have been a stronger concept and image.
While technically applicable to the challenge, the connection is just a little too tentative, the title unfitting, and the feel is that of "I just want something for this".