0: https://manifold.net/doc/mfd8/zip_codes_are_not_areas.htm
They don't represent geography at all, they represent the organizational structure of USPS.
They work by making the address on a letter almost meaningless. For some smaller population zip codes you can practically just put the name and zip code down and achieve delivery.
In other words, is it safe to assume that for entity in a zip code is less than x distance away from the closest entity in the same zip code?