diff --git a/crates/engine/src/cmd/insert.rs b/crates/engine/src/cmd/insert.rs
index 9f044613d..036e18a58 100644
--- a/crates/engine/src/cmd/insert.rs
+++ b/crates/engine/src/cmd/insert.rs
@@ -2,9 +2,11 @@
 //! conditional formatting (Home › Styles) and symbols.
 
 use gridcraft_core::{CellRef, MAX_ROWS, RangeRef};
+use gridcraft_formula::adjust::{Axis, Edit};
 use gridcraft_model::*;
 use serde_json::{Value as Json, json};
 
+use super::sheet::{rewrite, shift_cell_features};
 use super::*;
 use crate::selection::current_region;
 
@@ -276,13 +278,13 @@ fn insert_table(s: &mut Session, p: &Json) -> Result<Json> {
                 return Err(EngineError::Other("To prevent possible loss of data, cells can't be pushed off the end of the worksheet.".into()));
             }
             sh.cells.shift_rows_in_cols(r.start.col, r.end.col, r.start.row, 1);
-            sh.cell_pictures = std::mem::take(&mut sh.cell_pictures)
-                .into_iter()
-                .filter_map(|(c, v)| {
-                    let dest = if c.col >= r.start.col && c.col <= r.end.col && c.row >= r.start.row { c.offset(1, 0) } else { Some(c) };
-                    dest.map(|c| (c, v))
-                })
-                .collect();
+            // Like Insert Cells > Shift down: move merges, conditional formats, notes, links and pictures, and re-point every formula
+            // reference (on any sheet) at the cells that moved.
+            let e = Edit::InsertCells { axis: Axis::Rows, range: RangeRef::new(r.start, CellRef::new(r.start.row, r.end.col)) };
+            shift_cell_features(sh, &e);
+            let name = sh.name.clone();
+            rewrite(&mut cx.wb, &name, &e);
+            let sh = cx.sheet_mut(sheet)?;
             for (i, c) in (r.start.col..=r.end.col).enumerate() {
                 sh.set_value(CellRef::new(r.start.row, c), gridcraft_core::Value::text(format!("Column{}", i + 1)));
             }
@@ -1554,4 +1556,29 @@ mod tests {
         let rules = s.execute("home.manageRules", json!({})).unwrap();
         assert_eq!(rules["rules"].as_array().map(Vec::len), Some(0));
     }
+
+    #[test]
+    fn table_without_header_keeps_outside_references() {
+        // #1030: the data moved down for the new header row, but formulas outside kept the old addresses.
+        let mut s = Session::new();
+        s.new_workbook();
+        s.execute("home.insertSheet", json!({"name": "Two"})).unwrap();
+        s.execute("sheet.activate", json!({"sheet": 0})).unwrap();
+        s.execute("cell.set", json!({"cell": "A1", "input": "10"})).unwrap();
+        s.execute("cell.set", json!({"cell": "A2", "input": "20"})).unwrap();
+        s.execute("cell.set", json!({"cell": "B1", "input": "=SUM(A1:A2)"})).unwrap();
+        s.execute("cell.set", json!({"cell": "C1", "input": "=A2"})).unwrap();
+        s.execute("cell.set", json!({"sheet": "Two", "cell": "A1", "input": "=Sheet1!A2"})).unwrap();
+        s.execute("insert.table", json!({"range": "A1:A2", "header": false})).unwrap();
+        let get = |s: &mut Session, a: &str| s.execute("cell.get", json!({"cell": a})).unwrap();
+        assert_eq!(get(&mut s, "A1")["value"], "Column1");
+        assert_eq!(get(&mut s, "A2")["value"], json!(10.0));
+        assert_eq!(get(&mut s, "B1")["formula"], "=SUM(A2:A3)");
+        assert_eq!(get(&mut s, "B1")["value"], json!(30.0));
+        assert_eq!(get(&mut s, "C1")["formula"], "=A3");
+        assert_eq!(get(&mut s, "C1")["value"], json!(20.0));
+        let other = s.execute("cell.get", json!({"sheet": "Two", "cell": "A1"})).unwrap();
+        assert_eq!(other["formula"], "=Sheet1!A3");
+        assert_eq!(other["value"], json!(20.0));
+    }
 }
diff --git a/crates/engine/src/cmd/sheet.rs b/crates/engine/src/cmd/sheet.rs
index 163773399..2e257e3af 100644
--- a/crates/engine/src/cmd/sheet.rs
+++ b/crates/engine/src/cmd/sheet.rs
@@ -214,7 +214,7 @@ fn shift_sheet_features(sh: &mut Sheet, axis: Axis, at: u32, count: u32, insert:
 }
 
 /// Rewrites every formula reference (and chart series) for a structural edit on `target`.
-fn rewrite(wb: &mut gridcraft_model::Workbook, target: &str, e: &Edit) {
+pub(super) fn rewrite(wb: &mut gridcraft_model::Workbook, target: &str, e: &Edit) {
     super::edit::rewrite_all_formulas(wb, target, e);
     for si in 0..wb.sheets.len() {
         let host = wb.sheets.get(si).map(|s| s.name.clone()).unwrap_or_default();
@@ -973,7 +973,7 @@ pub(crate) fn map_range(r: RangeRef, e: &Edit) -> Option<RangeRef> {
 
 /// Shifts what Insert/Delete Cells moves along with the cells: merged areas, conditional
 /// format, validation, table, filter and print-area ranges, notes, links and sparklines.
-fn shift_cell_features(sh: &mut Sheet, e: &Edit) {
+pub(super) fn shift_cell_features(sh: &mut Sheet, e: &Edit) {
     let map_cell = |c: CellRef| map_range(RangeRef::cell(c), e).map(|r| r.start);
     sh.merges = sh.merges.iter().filter_map(|m| map_range(*m, e)).filter(|m| !m.is_single()).collect();
     for cf in sh.cond_formats.iter_mut() {