diff --git a/apps/emqx/src/emqx_schema.erl b/apps/emqx/src/emqx_schema.erl
index 37d5350a5..521293f7a 100644
--- a/apps/emqx/src/emqx_schema.erl
+++ b/apps/emqx/src/emqx_schema.erl
@@ -94,7 +94,8 @@
     validate_keepalive_multiplier/1,
     non_empty_string/1,
     validations/0,
-    naive_env_interpolation/1
+    naive_env_interpolation/1,
+    validate_server_ssl_opts/1
 ]).
 
 -export([qos/0]).
@@ -958,7 +959,7 @@ fields("mqtt_wss_listener") ->
             {"ssl_options",
                 sc(
                     ref("listener_wss_opts"),
-                    #{}
+                    #{validator => fun validate_server_ssl_opts/1}
                 )},
             {"websocket",
                 sc(
@@ -2426,8 +2427,21 @@ server_ssl_opts_schema(Defaults, IsRanchListener) ->
             ]
         ].
 
+validate_server_ssl_opts(#{<<"fail_if_no_peer_cert">> := true, <<"verify">> := Verify}) ->
+    validate_verify(Verify);
+validate_server_ssl_opts(#{fail_if_no_peer_cert := true, verify := Verify}) ->
+    validate_verify(Verify);
+validate_server_ssl_opts(_SSLOpts) ->
+    ok.
+
+validate_verify(verify_peer) ->
+    ok;
+validate_verify(_) ->
+    {error, "verify must be verify_peer when fail_if_no_peer_cert is true"}.
+
 mqtt_ssl_listener_ssl_options_validator(Conf) ->
     Checks = [
+        fun validate_server_ssl_opts/1,
         fun ocsp_outer_validator/1,
         fun crl_outer_validator/1
     ],
diff --git a/apps/emqx/test/emqx_schema_tests.erl b/apps/emqx/test/emqx_schema_tests.erl
index ad2341460..58f9a94d5 100644
--- a/apps/emqx/test/emqx_schema_tests.erl
+++ b/apps/emqx/test/emqx_schema_tests.erl
@@ -106,6 +106,67 @@ bad_cipher_test() ->
     ),
     ok.
 
+fail_if_no_peer_cert_test_() ->
+    Sc = #{
+        roots => [mqtt_ssl_listener],
+        fields => #{mqtt_ssl_listener => emqx_schema:fields("mqtt_ssl_listener")}
+    },
+    Opts = #{atom_key => false, required => false},
+    OptsAtomKey = #{atom_key => true, required => false},
+    InvalidConf = #{
+        <<"bind">> => <<"0.0.0.0:9883">>,
+        <<"ssl_options">> => #{
+            <<"fail_if_no_peer_cert">> => true,
+            <<"verify">> => <<"verify_none">>
+        }
+    },
+    InvalidListener = #{<<"mqtt_ssl_listener">> => InvalidConf},
+    ValidListener = #{
+        <<"mqtt_ssl_listener">> => InvalidConf#{
+            <<"ssl_options">> =>
+                #{
+                    <<"fail_if_no_peer_cert">> => true,
+                    <<"verify">> => <<"verify_peer">>
+                }
+        }
+    },
+    ValidListener1 = #{
+        <<"mqtt_ssl_listener">> => InvalidConf#{
+            <<"ssl_options">> =>
+                #{
+                    <<"fail_if_no_peer_cert">> => false,
+                    <<"verify">> => <<"verify_none">>
+                }
+        }
+    },
+    Reason = "verify must be verify_peer when fail_if_no_peer_cert is true",
+    [
+        ?_assertThrow(
+            {_Sc, [#{kind := validation_error, reason := Reason}]},
+            hocon_tconf:check_plain(Sc, InvalidListener, Opts)
+        ),
+        ?_assertThrow(
+            {_Sc, [#{kind := validation_error, reason := Reason}]},
+            hocon_tconf:check_plain(Sc, InvalidListener, OptsAtomKey)
+        ),
+        ?_assertMatch(
+            #{mqtt_ssl_listener := #{}},
+            hocon_tconf:check_plain(Sc, ValidListener, OptsAtomKey)
+        ),
+        ?_assertMatch(
+            #{mqtt_ssl_listener := #{}},
+            hocon_tconf:check_plain(Sc, ValidListener1, OptsAtomKey)
+        ),
+        ?_assertMatch(
+            #{<<"mqtt_ssl_listener">> := #{}},
+            hocon_tconf:check_plain(Sc, ValidListener, Opts)
+        ),
+        ?_assertMatch(
+            #{<<"mqtt_ssl_listener">> := #{}},
+            hocon_tconf:check_plain(Sc, ValidListener1, Opts)
+        )
+    ].
+
 validate(Schema, Data0) ->
     Sc = #{
         roots => [ssl_opts],
diff --git a/apps/emqx_gateway/src/emqx_gateway_schema.erl b/apps/emqx_gateway/src/emqx_gateway_schema.erl
index 8c80fc1fa..3c5706e82 100644
--- a/apps/emqx_gateway/src/emqx_gateway_schema.erl
+++ b/apps/emqx_gateway/src/emqx_gateway_schema.erl
@@ -120,7 +120,10 @@ fields(ssl_listener) ->
             {ssl_options,
                 sc(
                     hoconsc:ref(emqx_schema, "listener_ssl_opts"),
-                    #{desc => ?DESC(ssl_listener_options)}
+                    #{
+                        desc => ?DESC(ssl_listener_options),
+                        validator => fun emqx_schema:validate_server_ssl_opts/1
+                    }
                 )}
         ];
 fields(udp_listener) ->
@@ -132,7 +135,13 @@ fields(udp_listener) ->
 fields(dtls_listener) ->
     [{acceptors, sc(integer(), #{default => 16, desc => ?DESC(dtls_listener_acceptors)})}] ++
         fields(udp_listener) ++
-        [{dtls_options, sc(ref(dtls_opts), #{desc => ?DESC(dtls_listener_dtls_opts)})}];
+        [
+            {dtls_options,
+                sc(ref(dtls_opts), #{
+                    desc => ?DESC(dtls_listener_dtls_opts),
+                    validator => fun emqx_schema:validate_server_ssl_opts/1
+                })}
+        ];
 fields(udp_opts) ->
     [
         {active_n,
diff --git a/changes/ce/fix-10952.en.md b/changes/ce/fix-10952.en.md
new file mode 100644
index 000000000..20792906f
--- /dev/null
+++ b/changes/ce/fix-10952.en.md
@@ -0,0 +1,8 @@
+Disallow enabling `fail_if_no_peer_cert` in listener SSL options if `verify_none` is set.
+
+Setting `fail_if_no_peer_cert = true` and `verify = verify_none` caused connection errors
+due to incompatible options.
+This fix validates the options when creating or updating a listener to avoid these errors.
+
+Note: any old listener configuration with `fail_if_no_peer_cert = true` and `verify = verify_none`
+that was previously allowed will fail to load after applying this fix and must be manually fixed.