diff --git a/CHANGELOG.md b/CHANGELOG.md
index 5e39e8f1..511f6948 100644
--- a/CHANGELOG.md
+++ b/CHANGELOG.md
@@ -4,12 +4,16 @@
 
 ### Added
 
+- Added `Behavior.occlusionInsets` to account for persistent overlay UI that visually covers the list viewport.
+
 ### Removed
 
 ### Changed
 
 ### Misc
 
+- Added a development demo for validating keyboard avoidance with a floating bottom overlay and text fields.
+
 ### Internal
 
 # Past Releases
diff --git a/Development/Sources/Demos/Demo Screens/FloatingBottomKeyboardAvoidanceViewController.swift b/Development/Sources/Demos/Demo Screens/FloatingBottomKeyboardAvoidanceViewController.swift
new file mode 100644
index 00000000..3c334ebf
--- /dev/null
+++ b/Development/Sources/Demos/Demo Screens/FloatingBottomKeyboardAvoidanceViewController.swift	
@@ -0,0 +1,204 @@
+//
+//  FloatingBottomKeyboardAvoidanceViewController.swift
+//  Demo
+//
+//  Created by Rob MacEachern on 5/15/26.
+//  Copyright © 2026 Kyle Van Essen. All rights reserved.
+//
+
+import BlueprintUI
+import BlueprintUICommonControls
+import BlueprintUILists
+import ListableUI
+import UIKit
+
+final class FloatingBottomKeyboardAvoidanceViewController: UIViewController {
+    private let listView = ListView()
+    private let bottomBarView = UIView()
+    private let bottomBarBlurView = UIVisualEffectView(effect: UIBlurEffect(style: .systemUltraThinMaterial))
+    private let resignButton = UIButton(type: .system)
+    private let keyboardDismissModeControl = UISegmentedControl(items: ["None", "Drag", "Interactive"])
+
+    private let floatingBarHeight: CGFloat = 76.0
+    private let bottomContentSpacing: CGFloat = 24.0
+    private var keyboardDismissMode: UIScrollView.KeyboardDismissMode = .interactive
+
+    override func loadView() {
+        view = UIView()
+        view.backgroundColor = .white
+
+        listView.translatesAutoresizingMaskIntoConstraints = false
+        bottomBarView.translatesAutoresizingMaskIntoConstraints = false
+        bottomBarBlurView.translatesAutoresizingMaskIntoConstraints = false
+        resignButton.translatesAutoresizingMaskIntoConstraints = false
+
+        bottomBarView.backgroundColor = .clear
+        bottomBarView.isOpaque = false
+        bottomBarBlurView.alpha = 0.72
+        bottomBarBlurView.isUserInteractionEnabled = false
+
+        resignButton.configuration = .filled()
+        resignButton.setTitle("Resign", for: .normal)
+        resignButton.addTarget(self, action: #selector(resignEditing), for: .touchUpInside)
+
+        view.addSubview(listView)
+        view.addSubview(bottomBarView)
+        bottomBarView.addSubview(bottomBarBlurView)
+        bottomBarView.addSubview(resignButton)
+
+        NSLayoutConstraint.activate([
+            listView.topAnchor.constraint(equalTo: view.topAnchor),
+            listView.leadingAnchor.constraint(equalTo: view.leadingAnchor),
+            listView.trailingAnchor.constraint(equalTo: view.trailingAnchor),
+            listView.bottomAnchor.constraint(equalTo: view.bottomAnchor),
+
+            bottomBarView.topAnchor.constraint(equalTo: view.keyboardLayoutGuide.topAnchor, constant: -floatingBarHeight),
+            bottomBarView.leadingAnchor.constraint(equalTo: view.leadingAnchor),
+            bottomBarView.trailingAnchor.constraint(equalTo: view.trailingAnchor),
+            bottomBarView.bottomAnchor.constraint(equalTo: view.bottomAnchor),
+
+            bottomBarBlurView.topAnchor.constraint(equalTo: bottomBarView.topAnchor),
+            bottomBarBlurView.leadingAnchor.constraint(equalTo: bottomBarView.leadingAnchor),
+            bottomBarBlurView.trailingAnchor.constraint(equalTo: bottomBarView.trailingAnchor),
+            bottomBarBlurView.bottomAnchor.constraint(equalTo: bottomBarView.bottomAnchor),
+
+            resignButton.topAnchor.constraint(equalTo: bottomBarView.topAnchor, constant: 16.0),
+            resignButton.centerXAnchor.constraint(equalTo: bottomBarView.safeAreaLayoutGuide.centerXAnchor),
+            resignButton.leadingAnchor.constraint(greaterThanOrEqualTo: bottomBarView.safeAreaLayoutGuide.leadingAnchor, constant: 20.0),
+            resignButton.trailingAnchor.constraint(lessThanOrEqualTo: bottomBarView.safeAreaLayoutGuide.trailingAnchor, constant: -20.0),
+            resignButton.widthAnchor.constraint(equalToConstant: 180.0),
+            resignButton.heightAnchor.constraint(equalToConstant: 44.0),
+        ])
+    }
+
+    override func viewDidLoad() {
+        super.viewDidLoad()
+
+        title = "Floating Bottom Keyboard"
+        keyboardDismissModeControl.selectedSegmentIndex = 2
+        keyboardDismissModeControl.addTarget(self, action: #selector(keyboardDismissModeChanged), for: .valueChanged)
+        navigationItem.titleView = keyboardDismissModeControl
+
+        configureList()
+    }
+
+    @objc private func keyboardDismissModeChanged() {
+        switch keyboardDismissModeControl.selectedSegmentIndex {
+        case 0:
+            keyboardDismissMode = .none
+        case 1:
+            keyboardDismissMode = .onDrag
+        default:
+            keyboardDismissMode = .interactive
+        }
+
+        listView.behavior.keyboardDismissMode = keyboardDismissMode
+    }
+
+    @objc private func resignEditing() {
+        view.endEditing(true)
+    }
+
+    private func configureList() {
+        listView.configure { list in
+            list.layout = .table { layout in
+                layout.stickySectionHeaders = false
+                layout.bounds = .init(
+                    padding: UIEdgeInsets(top: 16.0, left: 20.0, bottom: self.bottomContentSpacing, right: 20.0),
+                    width: .atMost(600.0)
+                )
+                layout.layout.itemSpacing = 8.0
+            }
+
+            list.behavior.keyboardDismissMode = self.keyboardDismissMode
+            list.behavior.keyboardAdjustmentMode = .adjustsWhenVisible
+            list.behavior.occlusionInsets = UIEdgeInsets(
+                top: 0.0,
+                left: 0.0,
+                bottom: self.floatingBarHeight,
+                right: 0.0
+            )
+
+            list.add {
+                Section("inputs") {
+                    Item(
+                        TextFieldContent(
+                            identifierValue: "first-field",
+                            placeholder: "First field"
+                        ),
+                        sizing: .fixed(height: 56.0)
+                    )
+
+                    for index in 1 ... 11 {
+                        Item(TextRowContent(text: "Filler row \(index)"), sizing: .fixed(height: 44.0))
+                    }
+
+                    Item(
+                        TextFieldContent(
+                            identifierValue: "middle-field",
+                            placeholder: "Middle field"
+                        ),
+                        sizing: .fixed(height: 56.0)
+                    )
+                } header: {
+                    SectionTitleContent(title: "Inputs")
+                }
+
+                Section("more-content") {
+                    for index in 12 ... 21 {
+                        Item(TextRowContent(text: "Filler row \(index)"), sizing: .fixed(height: 44.0))
+                    }
+
+                    Item(
+                        TextFieldContent(
+                            identifierValue: "last-field",
+                            placeholder: "Last field"
+                        ),
+                        sizing: .fixed(height: 56.0)
+                    )
+                } header: {
+                    SectionTitleContent(title: "More Content")
+                }
+            }
+        }
+    }
+}
+
+private struct SectionTitleContent: BlueprintHeaderFooterContent, Equatable {
+    var title: String
+
+    var elementRepresentation: Element {
+        Label(text: title) {
+            $0.font = .systemFont(ofSize: 20.0, weight: .semibold)
+            $0.color = .black
+        }
+        .inset(by: UIEdgeInsets(top: 16.0, left: 0.0, bottom: 4.0, right: 0.0))
+    }
+}
+
+private struct TextRowContent: BlueprintItemContent, Equatable {
+    var text: String
+
+    var identifierValue: String {
+        text
+    }
+
+    func element(with _: ApplyItemContentInfo) -> Element {
+        Label(text: text) {
+            $0.font = .systemFont(ofSize: 17.0)
+            $0.color = .darkGray
+        }
+    }
+}
+
+private struct TextFieldContent: BlueprintItemContent, Equatable {
+    var identifierValue: String
+    var placeholder: String
+
+    func element(with _: ApplyItemContentInfo) -> Element {
+        TextField(text: "") {
+            $0.placeholder = placeholder
+        }
+        .inset(vertical: 8.0)
+    }
+}
diff --git a/Development/Sources/Demos/DemosRootViewController.swift b/Development/Sources/Demos/DemosRootViewController.swift
index 272a8ef7..46743521 100644
--- a/Development/Sources/Demos/DemosRootViewController.swift
+++ b/Development/Sources/Demos/DemosRootViewController.swift
@@ -138,6 +138,14 @@ public final class DemosRootViewController : ListViewController
                     }
                 )
                 
+                Item(
+                    DemoItem(text: "Keyboard Inset (Floating Bottom)"),
+                    selectionStyle: .selectable(),
+                    onSelect : { _ in
+                        self?.push(FloatingBottomKeyboardAvoidanceViewController())
+                    }
+                )
+
                 Item(
                     DemoItem(text: "Keyboard Inset (Appears Later)"),
                     selectionStyle: .selectable(),
@@ -426,4 +434,3 @@ public final class DemosRootViewController : ListViewController
         }
     }
 }
-
diff --git a/ListableUI/Sources/Behavior.swift b/ListableUI/Sources/Behavior.swift
index 02415906..28b64843 100644
--- a/ListableUI/Sources/Behavior.swift
+++ b/ListableUI/Sources/Behavior.swift
@@ -21,6 +21,17 @@ public struct Behavior : Equatable
     
     /// How to adjust the `contentInset` of the list when the keyboard visibility changes.
     public var keyboardAdjustmentMode : KeyboardAdjustmentMode
+
+    /// Insets for persistent UI that visually occludes the list viewport.
+    ///
+    /// Listable applies these insets to the underlying scroll view content inset, applies the
+    /// relevant axis-specific edges to scroll indicators, and combines them with keyboard avoidance
+    /// so first-responder scrolling treats the occluded area as unavailable. These insets do not
+    /// change list layout geometry; use layout bounds padding for content layout spacing.
+    ///
+    /// If ``keyboardAdjustmentMode`` is ``KeyboardAdjustmentMode/custom``, the custom scroll view
+    /// inset callback owns the full inset calculation instead.
+    public var occlusionInsets : UIEdgeInsets
     
     /// How the list should react when the user taps the application status bar.
     /// The default value of this enables scrolling to top.
@@ -64,6 +75,7 @@ public struct Behavior : Equatable
         isScrollEnabled: Bool = true,
         keyboardDismissMode : UIScrollView.KeyboardDismissMode = .interactive,
         keyboardAdjustmentMode : KeyboardAdjustmentMode = .adjustsWhenVisible,
+        occlusionInsets : UIEdgeInsets = .zero,
         scrollsToTop : ScrollsToTop = .enabled,
         selectionMode : SelectionMode = .single,
         underflow : Underflow = Underflow(),
@@ -77,6 +89,7 @@ public struct Behavior : Equatable
         self.isScrollEnabled = isScrollEnabled
         self.keyboardDismissMode = keyboardDismissMode
         self.keyboardAdjustmentMode = keyboardAdjustmentMode
+        self.occlusionInsets = occlusionInsets
         
         self.scrollsToTop = scrollsToTop
         
diff --git a/ListableUI/Sources/ListView/ListView.swift b/ListableUI/Sources/ListView/ListView.swift
index 651b6b30..0354f571 100644
--- a/ListableUI/Sources/ListView/ListView.swift
+++ b/ListableUI/Sources/ListView/ListView.swift
@@ -127,7 +127,7 @@ public final class ListView : UIView
             name: UITextField.textDidBeginEditingNotification,
             object: nil
         )
-        
+
         NotificationCenter.default.addObserver(
             self,
             selector: #selector(textDidEndEditingNotification(_:)),
@@ -416,10 +416,19 @@ public final class ListView : UIView
     /// whenever insets require an update.
     public func updateScrollViewInsets()
     {
+        // Keep both inset values so we can detect changes that affect layout.
+        // `adjustedContentInset` includes UIKit-managed safe area adjustments, so it can
+        // change even when the explicit `contentInset` value does not.
+        let previousContentInset = self.collectionView.contentInset
+        let previousAdjustedContentInset = self.collectionView.adjustedContentInset
+
         let insets: ScrollViewInsets
         if case .custom = self.behavior.keyboardAdjustmentMode {
+            // In custom mode the consumer owns the full inset calculation.
             insets = self.customScrollViewInsets()
         } else {
+            // Otherwise Listable derives scroll view insets from the current keyboard
+            // frame and any configured persistent occlusion insets.
             insets = self.calculateScrollViewInsets(
                 with: self.keyboardObserver.currentFrame(in: self)
             )
@@ -436,6 +445,23 @@ public final class ListView : UIView
         if self.collectionView.verticalScrollIndicatorInsets != insets.verticalScroll {
             self.collectionView.verticalScrollIndicatorInsets = insets.verticalScroll
         }
+
+        let nextAdjustedContentInset = self.collectionView.adjustedContentInset
+        let didChangeInsets =
+            previousContentInset != self.collectionView.contentInset ||
+            previousAdjustedContentInset != nextAdjustedContentInset
+
+        if didChangeInsets {
+            // Inset changes alter the visible layout viewport. Relayout synchronously so
+            // visible attributes match the keyboard-adjusted bounds before UIKit's
+            // first-responder auto-scroll runs. Avoid inheriting the keyboard animation
+            // here, since animating the layout invalidation can temporarily present old
+            // and new cell positions at the same time.
+            UIView.performWithoutAnimation {
+                self.collectionViewLayout.setNeedsRelayout()
+                self.collectionView.layoutIfNeeded()
+            }
+        }
     }
 
     func calculateScrollViewInsets(with keyboardFrame : KeyboardFrame?) -> ScrollViewInsets    {
@@ -467,12 +493,20 @@ public final class ListView : UIView
             }
         }()
 
+        let occlusionInsets = self.behavior.occlusionInsets
+
         let scrollInsets = modified(self.scrollIndicatorInsets) {
-            $0.bottom = max($0.bottom, keyboardBottomInset)
+            $0.top = max($0.top, occlusionInsets.top)
+            $0.left = max($0.left, occlusionInsets.left)
+            $0.bottom = max($0.bottom, keyboardBottomInset + occlusionInsets.bottom)
+            $0.right = max($0.right, occlusionInsets.right)
         }
         
         let contentInsets = modified(self.collectionView.contentInset) {
-            $0.bottom = keyboardBottomInset
+            $0.top = occlusionInsets.top
+            $0.left = occlusionInsets.left
+            $0.bottom = keyboardBottomInset + occlusionInsets.bottom
+            $0.right = occlusionInsets.right
         }
         
         return .init(
@@ -659,7 +693,6 @@ public final class ListView : UIView
         completion: ScrollCompletion? = nil
     ) -> Bool
     {
-
         let storageContent = storage.allContent
 
         // Make sure the section identifier is valid.
@@ -1129,9 +1162,9 @@ public final class ListView : UIView
     override public func layoutSubviews()
     {
         super.layoutSubviews()
-        
+
         self.collectionView.frame = self.bounds
-        
+
         /// Our layout changed, update the keyboard inset in case the inset should now be different.
         self.updateScrollViewInsets()
     }
diff --git a/ListableUI/Tests/BehaviorTests.swift b/ListableUI/Tests/BehaviorTests.swift
index 2189562c..560e0bb6 100644
--- a/ListableUI/Tests/BehaviorTests.swift
+++ b/ListableUI/Tests/BehaviorTests.swift
@@ -18,6 +18,7 @@ class BehaviorTests: XCTestCase
         
         XCTAssertEqual(behavior.keyboardDismissMode, .interactive)
         XCTAssertEqual(behavior.keyboardAdjustmentMode, .adjustsWhenVisible)
+        XCTAssertEqual(behavior.occlusionInsets, .zero)
         
         XCTAssertEqual(behavior.selectionMode, .single)
         
diff --git a/ListableUI/Tests/ListView/ListViewTests.swift b/ListableUI/Tests/ListView/ListViewTests.swift
index 4846e55d..e93c220a 100644
--- a/ListableUI/Tests/ListView/ListViewTests.swift
+++ b/ListableUI/Tests/ListView/ListViewTests.swift
@@ -139,7 +139,7 @@ class ListViewTests: XCTestCase
 
         self.testcase("Overlapping Keyboard Frame") {
             let insets = listView.calculateScrollViewInsets(
-                with:.overlapping(frame: CGRect(x: 0, y: 200, width: 200, height: 200))
+                with: .overlapping(frame: CGRect(x: 0, y: 200, width: 200, height: 200))
             )
 
             XCTAssertEqual(
@@ -157,6 +157,84 @@ class ListViewTests: XCTestCase
                 UIEdgeInsets(top: 10, left: 0, bottom: 200, right: 0)
             )
         }
+
+        self.testcase("Overlapping Keyboard Frame With Occlusion Insets") {
+            listView.behavior.keyboardAdjustmentMode = .adjustsWhenVisible
+            listView.behavior.occlusionInsets = UIEdgeInsets(top: 1, left: 2, bottom: 50, right: 4)
+
+            let insets = listView.calculateScrollViewInsets(
+                with: .overlapping(frame: CGRect(x: 0, y: 200, width: 200, height: 200))
+            )
+
+            XCTAssertEqual(
+                insets.content,
+                UIEdgeInsets(top: 1, left: 2, bottom: 250, right: 4)
+            )
+
+            XCTAssertEqual(
+                insets.horizontalScroll,
+                UIEdgeInsets(top: 0, left: 20, bottom: 0, right: 40)
+            )
+
+            XCTAssertEqual(
+                insets.verticalScroll,
+                UIEdgeInsets(top: 10, left: 0, bottom: 250, right: 0)
+            )
+        }
+
+        self.testcase("Non-Overlapping Keyboard Frame With Occlusion Insets") {
+            listView.behavior.keyboardAdjustmentMode = .adjustsWhenVisible
+            listView.behavior.occlusionInsets = UIEdgeInsets(top: 1, left: 2, bottom: 50, right: 4)
+
+            let insets = listView.calculateScrollViewInsets(with: .nonOverlapping)
+
+            XCTAssertEqual(
+                insets.content,
+                UIEdgeInsets(top: 1, left: 2, bottom: 50, right: 4)
+            )
+
+            XCTAssertEqual(
+                insets.verticalScroll,
+                UIEdgeInsets(top: 10, left: 0, bottom: 50, right: 0)
+            )
+        }
+
+        self.testcase("Keyboard Adjustment None With Occlusion Insets") {
+            listView.behavior.keyboardAdjustmentMode = .none
+            listView.behavior.occlusionInsets = UIEdgeInsets(top: 1, left: 2, bottom: 50, right: 4)
+
+            let insets = listView.calculateScrollViewInsets(
+                with:.overlapping(frame: CGRect(x: 0, y: 200, width: 200, height: 200))
+            )
+
+            XCTAssertEqual(
+                insets.content,
+                UIEdgeInsets(top: 1, left: 2, bottom: 50, right: 4)
+            )
+
+            XCTAssertEqual(
+                insets.verticalScroll,
+                UIEdgeInsets(top: 10, left: 0, bottom: 50, right: 0)
+            )
+        }
+
+        self.testcase("Occlusion Insets Update Scroll Indicator Edges") {
+            listView.behavior.keyboardAdjustmentMode = .adjustsWhenVisible
+            listView.behavior.occlusionInsets = UIEdgeInsets(top: 11, left: 22, bottom: 33, right: 44)
+            listView.scrollIndicatorInsets = .zero
+
+            let insets = listView.calculateScrollViewInsets(with: .nonOverlapping)
+
+            XCTAssertEqual(
+                insets.horizontalScroll,
+                UIEdgeInsets(top: 0, left: 22, bottom: 0, right: 44)
+            )
+
+            XCTAssertEqual(
+                insets.verticalScroll,
+                UIEdgeInsets(top: 11, left: 0, bottom: 33, right: 0)
+            )
+        }
     }
 
     func test_change_size() {
diff --git a/README.md b/README.md
index b8d41b8f..ef086692 100644
--- a/README.md
+++ b/README.md
@@ -146,10 +146,20 @@ Finally, the `Behavior` and  `Behavior.Underflow` allows customizing what happen
 public struct Behavior : Equatable
 {
     public var keyboardDismissMode : UIScrollView.KeyboardDismissMode
+
+    public var keyboardAdjustmentMode : KeyboardAdjustmentMode
+
+    public var occlusionInsets : UIEdgeInsets
     
     public var underflow : Underflow
 ```
 
+`occlusionInsets` lets callers reserve scroll viewport space for persistent overlays,
+such as a floating bottom bar. Listable applies these insets to the scroll view content
+inset, applies the relevant axis-specific edges to scroll indicators, and combines them
+with keyboard avoidance so first-responder scrolling treats the occluded area as
+unavailable.
+
 ```swift
 
 struct Underflow : Equatable