Women, of course, generally have smaller bodies, and one would therefore expect that they would lose their core body heat to the outside environment more quickly than men. But in fact they actually retain core body temperatures better. This is partly because women have higher proportions of body fat and a higher proportion of that fat is located subcutaneously ( just under the skin). This, in effect, provides them with a layer of insulation and a survival advantage in extreme cold. Women also, on average, maintain lower skin temperatures than men, resulting in less temperature
