Recent advances in Text-to-Speech (TTS) have enabled highly natural speech synthesis, yet integrating speech with complex background environments remains challenging. We introduce UmbraTTS, a flow-matching based TTS model that jointly generates both speech and environmental audio, conditioned on text and acoustic context. Our model allows fine-grained control over background volume and produces diverse, coherent, and context-aware audio scenes. A key challenge is the lack of data with speech and background audio aligned in natural context. To overcome the lack of paired training data, we propose a self-supervised framework that extracts speech, background audio, and transcripts from unannotated recordings. Extensive evaluations demonstrate that UmbraTTS significantly outperformed existing baselines, producing natural, high-quality, environmentally aware audios.