Abstract: The invention pertains generally to a process and a composition-of-matter for a shelf-stable open cell polyurethane HFO-blown two-component polyurethane foam composition having improved flame-retardant properties through the use of at least one organo-tin containing catalyst and at least one potassium containing catalyst; and at least one dimorpholino-based ether catalyst, a ratio of the at least one potassium-containing catalyst to the tin-containing catalyst being at least approximately 1.5:1.0, the at least one surfactant comprising a polydimethylsiloxane (PDMS) backbone and polyethylene oxide-co-propylene oxide (PEO-PPO) random copolymer grafts; and the added water comprises at least 8 weight percent of said B-side reactants, the polyurethane foam having a Class B rating with a flame spread between 25 and 75 inclusive and a smoke developed of under 450 using ASTM E 84 testing protocol.