A composite flame retardant fabric is provided comprising an interior layer formed of thermoplastic fibers and exterior nonwoven webs on opposite sides of the interior layer. The exterior webs are formed of cellulosic fibers that include a flame retardant chemical. The interior layer provides strength and integrity to the composite fabric while allowing the composite to remain flexible and light in weight. The exterior layers impart flame retardant properties to the composite. Preferably, the interior layer is a spunbonded nonwoven fabric, and in a preferred embodiment the interior layer is a polyester spunbond nonwoven fabric. The exterior layers are preferably carded nonwoven webs, and in a preferred embodiment, the carded webs comprise rayon fibers that have been treated with a flame retardant chemical.