A disk drive is disclosed comprising a plurality of disk surfaces, including first and second disk surfaces. A first physical zone on a first disk surface has a physical zone boundary at a first predetermined radial location, wherein the first predetermined radial location is different from any of the radial locations of the physical zone boundaries on a second disk surface. A plurality of logical zones are identified having logical zone boundaries defined relative to the physical zone boundaries of at least the first and second disk surfaces, wherein the number of logical zones is greater than the number of physical zones for at least one of the disk surfaces. The logical zones are used to find one of the data sectors corresponding to a block address received from a host.