Flammability is a fatal drawback for sustainable packaging materials made from cellulose and its derivatives. Incorporating inorganic nanomaterials is a viable approach to improve the fire-resistant property. However, due to the aggregation of inorganic fillers and weak interactions between components, incorporating inorganic nanomaterials always had an adverse impact on the mechanical properties and optical transparency of cellulose-based nanocomposites. Herein, we presented a robust, biodegradable, and flame-retardant nanocomposite film composed of TEMPO-oxidized cellulose nanofibers (TOCNFs) and inorganic hydroxyapatite nanowires (HNWs). Both TOCNFs and HNWs possessed one-dimensional microstructure and could form unique organic-inorganic networks microstructure. The organic-inorganic networks interact through physical intertwinement and multiple chemical bonds, endowing nanocomposite film with outstanding mechanical properties. This nanocomposite film showed a tensile strength of 223.68 MPa and Young's modulus of 9.18 GPa, which were superior to most reported cellulose-based nanocomposite. Furthermore, this nanocomposite film demonstrated exceptional thermal stability and flame-retardant feature attributed to the inorganic framework formed by HNWs. This nanocomposite film also possessed a high optical transmittance even when HNWs content reached 30 % and could be decomposed quickly in soil. By employing organic-inorganic interpenetrating network structure design and multiple bonding interaction, cellulose-based nanocomposites can overcome inherent limitations and attain desirable comprehensive properties.