1. Sweat. Water absorbs a lot of energy when it goes from liquid to gas, and the wind is a great way to encourage that.
2. Moving air. Air is an insulator. Air that is next to your skin gets warmed up to your body temperature pretty quick. But that heat stays there, it doesn’t really move unless the air itself is moving. A moving car is constantly bringing fresh, cooler, air into contact with your skin.
If the air is close to your body temperature, you’re almost completely reliant on #1 to cool down. If it’s super humid, that sweat isn’t going to evaporate that well and you’re still going to feel hot.
Latest Answers