How is a polar bear adapted to living in cold polar areas?

How has a polar bear adapted to its Arctic environment? Their white fur helps them blend in with the snow and ice. A polar bear has a layer of fat under its skin which helps it stay warm. It also has a thick layer of fur.Inhabiting the ice and sea of the Arctic, polar bears are well-equipped for survival in a harsh environment. Two coats of fur and a thick layer of blubber help insulate the polar bear's body from the cold, keeping its temperature at an even 37° C (98.6° F).