The present invention imparts fire-retardancy upon cellulosic products utilizing a cost-effective, non-toxic, and reliable process. Unlike previous methods which impart superficial fire-retardant coatings upon finished products, the present process treats the individual cellulosic particles (i.e. fibers, chips etc.) that make up cellulose-based particle products. Treating the individual particles provides fire-retardancy throughout the entire length and width of the product. This full-depth retardancy provides superior protection, especially in catastrophic fires where the surface coat of other products can be compromised.