To survive in the Arctic, polar bears must have excellent thermal insulation to endure high winds and extreme cold. As a result, mastering the mechanisms responsible for arctic animals' superior radiative insulation will be aided by knowing the radiative exchanges in their fur. A mathematical model was created for this purpose by integrating the coat's hairs into thin sheets. Then, using MATLAB, a computer simulation was run to determine the temperature variation as well as the energy flow between the external environment and the polar animal's body through the hairs. With such thermal qualities, the proposed model will have a good insulating capacity, allowing it to recreate the structure of polar bear hair and incorporate it into real-world applications, such as serving as just a thermal insulator for keeping the heat in a house during the winter.