The partial discharge inception voltage (PDIV) in contacting enameled wire pairs exhibits a marked decrease with increased air humidity. While existing literature mentions several potential mechanisms for this reduction, a comprehensive quantitative assessment of the associated effects is lacking. This research paper addresses this knowledge gap by providing a quantitative estimation of the combined impact of water on the gas’s ionization yield (effective ionization coefficient) and the modification of the gap electric field caused by water absorption into the bulk of the insulating coating and the associated microscopic and macroscopic polarization processes (dielectric permittivity). However, a comparison of the theoretical predictions with experimental data reveals that these factors alone cannot fully account for the observed reduction in PDIV. Therefore, the study explores additional mechanisms mentioned in the literature, with particular focus on the development of a semi-conductive layer on the insulation coating in humid atmospheres. The numerical simulations of the surface charge dynamics within this layer suggests that the frequency-dependent decrease in PDIV under high-humidity atmospheres can indeed be attributed to the modification of the gap electric field due to the accumulation of surface charge in the semi-conductive layer.