What flying insect has black head with clear wings and brown body with stinger?

you may be talking about a sand fly.

see here: <A class="url" target="_blank" rel="nofollow noreferrer" href="/to/?target=http://en.wikipedia.org/wiki/Sand_fly">http://en.wikipedia.org/wiki/Sand_fly</A>

they are common around the world and usually come out in summer.

or if the insect in mind is larger, it could be a horse-fly. they appear more like flies and are known to sting people.

see here: <A class="url" target="_blank" rel="nofollow noreferrer" href="/to/?target=http://en.wikipedia.org/wiki/Horse_fly">http://en.wikipedia.org/wiki/Horse_fly</A>

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