A disk drive includes a disk having a disk surface, the disk surface having a plurality of tracks arranged in an embedded servo format. The disk surface includes a plurality of radially-extending user-data regions and a plurality of radially-extending servo-data regions. Each user-data region has a plurality of data zones in each of which user data are stored in a plurality of track segments at a data channel frequency particular to that data zone. Each servo-data region has a plurality of servo zones in each of which servo data are stored in a plurality of track segments at a servo channel frequency particular to that servo zone, wherein in at least one of the tracks having servo data and user data, the servo channel frequency differs from the data channel frequency.