File fragmentation occurs when there is not enough contiguous free space on a file system for a file to be written as a single piece. This causes the file's data to be split into multiple dispersed blocks across the disk. This fragmentation negatively impacts disk performance by increasing the time taken to complete disk requests and affects overall file system performance. Administrators can check and reduce fragmentation on XFS and EXT4 file systems using tools like xfs_db, filefrag, xfs_fsr, fsck, and e4defrag.