Humanoids deployed in human-centered environments must handle force-interactive tasks, where external contacts introduce unexpected disturbances that disrupt locomotion accuracy and stability. Existing learning-based approaches rely on broad domain randomization, task-specific force objectives, or learning-based force estimators from motion history, each of which compromises accuracy, task transferability, or out-of-distribution (OOD) robustness. We present Analytical Disturbance-Aware Policy Training (ADAPT), a framework that equips humanoid policies with a physically grounded disturbance observer. The core of ADAPT is an analytical whole-body disturbance observer that estimates residual force/torque online with the accessible robot dynamics, without requiring force/torque sensors. Fed directly into the policy, the estimated disturbances give the humanoid an explicit, physics-derived sense of external force/torque that can generalize across diverse unseen scenes. Experiments on a Unitree G1 humanoid show that ADAPT achieves accurate disturbance prediction and stronger robustness than a proprioception-only baseline under torso perturbations, standing pushes, and asymmetric hand payloads, with improved velocity tracking even on OOD disturbances. Moreover, ADAPT enables penalizing inferred disturbances at lower-body joints to encourage lighter locomotion.