This sounds more like a ‘help me find’ request then ELI5.
With that being said, wind chill is based on heat transfer and specifically is comparing heat transfer of static wind to heat transfer of moving wind. These values could also be found for moving water however it appears that no one has done that yet (or they just haven’t published it under something easily searchable). So you may need to construct that formula yourself.
Some potential resources
https://www.mentalfloss.com/article/26730/how-wind-chill-calculated
https://www.physicsclassroom.com/class/thermalP/Lesson-1/Rates-of-Heat-Transfer
http://www.seagrant.umn.edu/coastal_communities/hypothermia
https://outdoors.stackexchange.com/questions/10491/how-fast-do-you-lose-heat-in-cold-water-immersion
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