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?
zip codes don't even need to be contiguous. It's a mail delivery route, not a polygon.
There are 5 cases where the assumption is violated:
- Non-contiguous areas
- Zip codes that are a single point (some big companies get their own zip with a single mailbox, e.g. GE in Schenectady, NY is zip 12345)
- Zip codes that are a single line (highway-based delivery routes)
- Overlapping boundaries (since mail routes are linear, choosing a polygon representation is arbitrary and often not unique in space)
- Residents of some zip codes are not stationary (e.g. houseboats)
In short, asking questions about the area of a zip code is a category error - zip codes do not have a uniform representation in space. And we should be highly skeptical of any geospatial analysis that assumes polygons.