water is a good thermal conductor, so the thermal transfer is greater (that is, more heat is being transfered from the hot body (you) to the colder environment.
or air flow
airflow (wind or draft) causes water on your skin to evaporate faster, which needs energy to occur, this energy is being pulled from your body, so you feel cool
ihavemymaskon t1_j6hn4kf wrote
Reply to Eli5: why does the same temperature feel different in certain situations? by Fyphon
humidity
water is a good thermal conductor, so the thermal transfer is greater (that is, more heat is being transfered from the hot body (you) to the colder environment.
or air flow
airflow (wind or draft) causes water on your skin to evaporate faster, which needs energy to occur, this energy is being pulled from your body, so you feel cool