Ako je most zatvoren, morat ćemo pitati kuda da idemo.

In Croatian, a real or possible future condition is very often expressed with ako + present tense, just like in English:

• Ako je most zatvoren... = If the bridge is closed...

The future meaning comes from the whole sentence, especially the main clause:

• morat ćemo... = we will have to...

So this is completely normal Croatian.

Because zatvoren agrees with most.

• most = bridge
• most is masculine singular
• so the matching form is zatvoren

Compare:

• most je zatvoren = the bridge is closed
• cesta je zatvorena = the road is closed
• selo je zatvoreno = the village is closed off

So the ending changes to match the noun’s gender and number.

It is originally a passive participle of zatvoriti (to close), but in this sentence it behaves very much like an adjective.

• je zatvoren literally means is closed
• it describes the state of the bridge

So in practice, you can understand it as closed.

Because Croatian has no articles. There is no separate word for the or a/an.

So:

• most can mean a bridge or the bridge
• the exact meaning depends on context

In this sentence, English naturally uses the bridge, but Croatian simply says most.

This is the future tense of morati (to have to / must).

The basic idea is:

• morati = to have to
• ćemo = we will

When the infinitive comes before the future auxiliary, Croatian usually drops the final -i of the infinitive:

• morati + ćemo → morat ćemo

So morat ćemo means we will have to.

Because ćemo is an auxiliary clitic, and in standard Croatian it is written as a separate word.

So:

• morat ćemo = correct
• moratćemo = incorrect

Also, Croatian clitics tend to stand in an unstressed position near the beginning of their clause, which is why their placement can look different from English.

Yes. Both are possible:

• Morat ćemo pitati...
• Ćemo morati pitati... is usually not used at the very beginning of a clause, because clitics normally do not stand first.
• But after another word, you can say: Ako je most zatvoren, ćemo morati...? No — that still sounds wrong in standard Croatian.

The natural alternative is:

• Ako je most zatvoren, morat ćemo pitati...
• or Ako most bude zatvoren, morat ćemo pitati...

If you want the auxiliary before the infinitive, it has to follow something appropriate in a full clause structure, but with morati, the most natural version here is definitely morat ćemo.

Because after morati, Croatian normally uses another verb in the infinitive.

So:

• morat ćemo pitati = we will have to ask

This is parallel to English:

• we will have to ask

These words are related, but they are not the same:

• gdje = where (location)
• kamo = where to (destination)
• kuda = which way / by what route / through where

In this sentence, kuda is used because the idea is not just the destination, but the route:

• kuda da idemo = which way we should go

If the bridge is closed, the problem is the path or route, so kuda fits very well.

Croatian often uses question word + da + present tense in places where English uses question word + infinitive.

So:

• kuda da idemo literally looks like which way that we go
• but naturally it means which way to go or which way we should go

This is a very common Croatian structure.

Because idemo is the 1st person plural present tense of ići (to go):

• idem = I go
• ideš = you go
• ide = he/she/it goes
• idemo = we go

Here it means we go / we should go, because the implied subject is we.

Because Croatian often leaves subject pronouns out when the verb already shows the person clearly.

Here, two verb forms already point to we:

• ćemo = we will
• idemo = we go

So mi is unnecessary unless you want emphasis.

Yes, it is standard to put a comma between the subordinate if-clause and the main clause when the subordinate clause comes first:

• Ako je most zatvoren, morat ćemo pitati kuda da idemo.

That comma helps show the structure clearly:

1. condition
2. result

Croatian often leaves that kind of object unstated if it is obvious or unimportant.

• pitati = to ask
• here, the sentence focuses on the need to ask for directions, not on exactly whom we ask

English can do the same:

• We’ll have to ask where to go.

So the missing object is not a problem.