The fans on the '95 windstar, like my '96 are controlled by the PCM, through the CCRM. I am guessing that the CCRM is the cause, as they should NOT be running with the engine OFF.
As stated above, the CCRM is in my pictures, as I have replaced it on my '96.
I bought the part from
http://www.trademotion.com/partlocat...?siteid=214072