To Herman9
You won't believe this - I also experienced the same symptom in city driving under the same outside temperature. I could hear it over the radio. Also, my O/D was flashing and I also had problem shifting. Ford dealership fixed the O/D and shifting problem as they found a broken wire at VSS (I don't know what that is). After that, my humming noise was not as loud and not as often.
I had another problem that may or may be related. My CEL light came on and off for the last 6 months. After a few replacement of the oxgyen sensers, the dealer thinks they have figured out the cause which is the 'wire harness' and Ford has a campaign to fix it for free. I am taking my car in next week and hope that they will fix it for good