What is the differrence in the insulation provided by wet and dry animal fur?

Wet animal fur loses much of its insulating properties compared to dry fur because water conducts heat away from the body more efficiently than air. When fur is wet, the trapped air pockets that provide insulation are diminished, leading to increased heat loss. Consequently, animals with wet fur are at a higher risk of hypothermia in cold conditions, while dry fur maintains better thermal insulation and helps retain body heat.