i beleive the zetec also has the plastic impeller but I am not sure, mine was fine at 104k
is the car actually over heating or is it just the guage?
it could be as simple as your guage is off, has it always read like this or just recently? it might just be the temp sensing unit also
mine has never gone into the red but it has come close, but remember these engines run hot
in all reality there is no way to know what the temp guauge is reading because it isn't numerically calibrated, but since it is a 95 I don't know of an easy way to find the actual temp out