A disk drive is discloses comprising a disk, a head connected to a distal end of an actuator arm, and a voice coil motor (VCM) for rotating the actuator arm about a pivot in order to actuate the head radially over the disk. If when a power failure occurs the radial location of the head is less than a predetermined distance from the outer diameter of the disk, the VCM is controlled to move the head toward the inner diameter of the disk and stopping the head before it reaches the inner diameter of the disk. The VCM is then controlled to move the head toward the outer diameter of the disk until the actuator arm unloads onto a ramp.