The skin of a polar bear is actually black. While the fur of a polar bear appears white or creamy, its skin underneath is pigmented with a dark coloration. The black skin is an adaptation that helps polar bears absorb and retain heat from sunlight, which is crucial in their Arctic habitat. The dark skin allows them to absorb and trap the sun's rays more effectively, helping to keep them warm in cold environments. The combination of the black skin and translucent fur creates the characteristic appearance of a white or light-colored polar bear.