Phase change Refrigeration. The wind hitting your bare skin increases the rate of evaporation of the moisture on your skin. This causes the moisture on your skin to go from a liquid to a gas. This change in state of matter is an endothermic reaction which means it requires heat energy to be completed. It gets this heat energy from your body which is why you feel cold. Basically it increases the rate that the moisture evaporates from your skin.
If you want to see a low-key version of this spray your skin with rubbing alcohol and blow on it it will feel very cool. This is because rubbing alcohol evaporates very quickly.
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