The present study makes an effort to understand the damage of earthen dams under static and seismic loading condition. To make the investigation more realistic, behaviour of earthen dams considering the occurrence of a phreatic line indicating the submerged zone due to seepage within the dam body is considered. In case of earthen dams, homogeneous or nonhomogeneous, the consideration of the occurrence of a phreatic line or seepage line through the dam body is an important part of the earthen dam design methodology. The impervious material properties in the submerged zone below the phreatic line due to seepage may differ a lot in magnitudes as compared to the value of the same materials lying above this line. Hence, to have the exact stress distribution scenarios within the earthen dam, the different material properties above and below the phreatic line are considered in this present study. The study is first carried out by two-dimensional as well as three-dimensional finite element analysis under static loading condition. The work is further extended to observe the effect of seepage due to the consideration of the phreatic line on dynamic characteristics of earthen dams. Free vibration analysis and seismic analysis based on the Complete Quadratic Combination (CQC) method by considering twodimensional and three-dimensional modeling are carried out to present the frequencies, mode shapes and the stress distribution pattern of the earthen dam.