Intumescent flame retardant and hydrophobic coatings, consisting of sodium montmorillonite (MMT), am moniu m d ihy dro gen ph os pha te ( ADP), an d methyltrimethoxysilane (MTMS), were prepared via in situ sol-gel and self-assembly techniques to acquire multifunctional cotton fabrics. The impact of MTMS concentration on hydrophobicity, fire resistance, thermal stability, and heat release behavior of the coated fabrics was investigated. A Si-O-Si network structure was generated via the hydrolysis-condensation reaction of MTMS, induced by the catalysis of ADP. After treated by the coating with 2.0 wt.% of MTMS, the cotton fabric with a total uptake of 22.7 wt.% achieved appreciable flame retardancy and hydrophobicity, as well as satisfactory thermal stability and heat release behaviors. Overall, this research provides a facile and effective approach to prepare flame retardant and hydrophobic cotton fabrics.