Cellulose fabric testing for flame-retardant studies is frequently necessary in various textile applications. Natural cellulose material from ramie (Boehmeria nivea) is being promoted as an alternative raw material for the development of fire-resistant fabrics. This research aims to optimize the coating process of ramie fabric using a phosphorus-based flame retardant (FR) to enhance its flame-retardant characteristics. The FR treatment involves bleaching the fabric with H2O2; followed by fabric finishing using a formula comprising 3% (v/v) hydroxymethyl resin; phosphoric acid (2%); and two formulations of the flammable agent Flamatic DM-3072N: 40% (v/v) and 50% (v/v), applied using the pad-dry-cure method. The flame-retardant properties of the treated fabric are evaluated through flammability testing based on the ASTM D6413-08 standard, limiting oxygen index (LOI) analysis, and micrograph surface structure analysis with SEM. The results indicate that ramie fabric treated with the FR-50% material exhibits superior fire resistance, preventing fire spread on the fabric with a char length of 15–30 mm and a LOI value of 29. These findings highlight the potential of FR-treated ramie fabrics for various industries, including the automotive and protective clothing industries.