I live in an area black bears call home. They come right down into the city and can be quite a problem. Last year we had many weeks with sightings 3 to 5 times a week on our street alone.
One day last August at around 8 pm, i was watering my Meyer lemon which is located in my front garden - my wife and i were standing side by side when we heard this crazy scratching sound coming from either the gate at the side of my house or my neighbours - immediately we dropped everything and ran to the front porch for cover. Well this bear had climbed over a 6' (2m) cedar fence which was no more that 10' away. We scrambled to find a camera - it was like a scene from the 1988 movie the Great outdoors :http://www.youtube.com/watch?v=OBJ-MpPBDug
Anyway, the story here is, that although the bear wiped out ALL my figs and stomped the tree, it didn't attack my lemon tree. (and it was loaded with fruit at the time) It was a good thing the bear didn't mess with it !
Mind you, there are no other citrus trees around so perhaps he/she hasn't acquired a taste for them - yet .
Greg