The present invention relates to fire resistant composite materials and to fire resistant fabric materials and mattresses made therefrom. The composite materials include (a) a substrate selected from the group consisting of cotton, rayon, lyocell, wool, silk and blends thereof; and (b) a coating consisting essentially of water, ammonium polyphosphate, binder material and cellulose filler material. The binder material bonds the ammonium polyphosphate and cellulose filler materials together and to the substrate such that the substrate is coated with the coating.