A disk drive is disclosed including a first disk surface comprising a plurality of data tracks, wherein each data track comprises a first plurality of data sectors, and a second disk surface comprising a plurality of data tracks, wherein each data track comprises a second plurality of data sectors. A first head is actuated over the first disk surface and a second head is actuated over the second disk surface. The first and second data sectors are accessed in a serpentine access pattern, wherein a plurality of refresh zones are defined relative to the serpentine access pattern. When a write command is received from a host, data is written to at least one of the refresh zones, and a refresh monitor associated with the refresh zone is updated.