diff --git a/docs/core/compatibility/11.md b/docs/core/compatibility/11.md
index 51b5589505918..e950a60229b2e 100644
--- a/docs/core/compatibility/11.md
+++ b/docs/core/compatibility/11.md
@@ -60,6 +60,7 @@ See [Breaking changes in EF Core 11](/ef/core/what-is-new/ef-core-11.0/breaking-
 | Title | Type of change    |
 |-------|-------------------|
 | [ChangeToken.OnChange async overloads rebind existing Task-returning callbacks](extensions/11/changetoken-onchange-async-overloads-rebind-callbacks.md) | Behavioral change |
+| [FileConfigurationSource.OnLoadException callback is called for IO errors](extensions/11/fileconfigurationsource-onloadexception-io-errors.md) | Behavioral change |
 | [IHost.RunAsync and IHost.StopAsync throw when a BackgroundService fails](extensions/11/ihost-runasync-stopasync-throw-backgroundservice-failure.md) | Behavioral change |
 | [Some Microsoft.Extensions packages included in shared framework](extensions/11/extensions-in-shared-framework.md) | Behavioral change |
 
diff --git a/docs/core/compatibility/extensions/11/fileconfigurationsource-onloadexception-io-errors.md b/docs/core/compatibility/extensions/11/fileconfigurationsource-onloadexception-io-errors.md
new file mode 100644
index 0000000000000..5417cf878c590
--- /dev/null
+++ b/docs/core/compatibility/extensions/11/fileconfigurationsource-onloadexception-io-errors.md
@@ -0,0 +1,43 @@
+---
+title: "Breaking change: FileConfigurationSource.OnLoadException callback is called for IO errors"
+description: "Learn about the breaking change in .NET 11 where FileConfigurationSource.OnLoadException is called for IO errors in addition to parsing errors."
+ms.date: 08/05/2026
+ai-usage: ai-assisted
+---
+
+# FileConfigurationSource.OnLoadException callback is called for IO errors
+
+<xref:Microsoft.Extensions.Configuration.FileConfigurationProvider> and its derived types (used by <Microsoft.Extensions.Configuration.JsonConfigurationExtensions.AddJsonFile*>, <Microsoft.Extensions.Configuration.XmlConfigurationExtensions.AddXmlFile*>, and <Microsoft.Extensions.Configuration.IniConfigurationExtensions.AddIniFile*>) now forward IO errors to the <xref:Microsoft.Extensions.Configuration.FileConfigurationSource.OnLoadException> callback in addition to parsing errors.
+
+## Version introduced
+
+.NET 11 Preview 7
+
+## Previous behavior
+
+Previously, IO errors that occurred when a configuration file was opened (for example, from `AddJsonFile`, `AddXmlFile`, `AddIniFile`, or a reload triggered when an already-loaded file changed on disk) weren't forwarded to the <xref:Microsoft.Extensions.Configuration.FileLoadExceptionContext> passed to the <xref:Microsoft.Extensions.Configuration.FileConfigurationSource.OnLoadException> callback. Only parsing errors were forwarded to that callback. IO errors were unobservable using `OnLoadException`; instead, they were observable using <xref:System.Threading.Tasks.TaskScheduler.UnobservedTaskException>.
+
+As a consequence, the `Exception` property on `FileLoadExceptionContext` passed to `OnLoadException` was always an <xref:System.IO.InvalidDataException> or <xref:System.IO.FileNotFoundException>. Code that unconditionally cast the exception to one of those types worked correctly.
+
+## New behavior
+
+Starting in .NET 11, IO errors are forwarded to the `FileLoadExceptionContext` passed to the `OnLoadException` callback. IO errors are no longer observable using `TaskScheduler.UnobservedTaskException`, except when no `OnLoadException` callback is registered.
+
+As a consequence, the `Exception` property on `FileLoadExceptionContext` can now be an exception of any type—most commonly <xref:System.IO.IOException>, but potentially any exception thrown by the configured <xref:Microsoft.Extensions.FileProviders.IFileProvider> (including custom providers). Code that unconditionally casts the exception to `InvalidDataException` or `FileNotFoundException` can now throw an <xref:System.InvalidCastException> or silently mishandle these new exception types.
+
+## Type of breaking change
+
+This change is a [behavioral change](../../categories.md#behavioral-change).
+
+## Reason for change
+
+This change is a bug fix. Configuration file IO errors are meaningful load failures, and code that registers an `OnLoadException` callback expects to observe all failures that occur while a configuration file is loaded, not just parsing errors. For more information, see [dotnet/runtime#113964](https://github.com/dotnet/runtime/issues/113964).
+
+## Recommended action
+
+- If you detected IO exceptions from `FileConfigurationProvider` or a derived type using `TaskScheduler.UnobservedTaskException`, move that logic to the `OnLoadException` callback.
+- Verify that any callback registered in `OnLoadException` can handle exceptions of any type, not just `InvalidDataException` or `FileNotFoundException`. Avoid unconditional casts, and use pattern matching or type checks instead.
+
+## Affected APIs
+
+- <xref:Microsoft.Extensions.Configuration.FileConfigurationSource.OnLoadException?displayProperty=fullName>
diff --git a/docs/core/compatibility/toc.yml b/docs/core/compatibility/toc.yml
index 0582ff971eadc..4ac256b7027e7 100644
--- a/docs/core/compatibility/toc.yml
+++ b/docs/core/compatibility/toc.yml
@@ -50,6 +50,8 @@ items:
             items:
               - name: ChangeToken.OnChange async overloads rebind existing Task-returning callbacks
                 href: extensions/11/changetoken-onchange-async-overloads-rebind-callbacks.md
+              - name: FileConfigurationSource.OnLoadException callback is called for IO errors
+                href: extensions/11/fileconfigurationsource-onloadexception-io-errors.md
               - name: IHost.RunAsync and IHost.StopAsync throw when a BackgroundService fails
                 href: extensions/11/ihost-runasync-stopasync-throw-backgroundservice-failure.md
               - name: Some Microsoft.Extensions packages included in shared framework