Be aware that even five-digit zip codes do not always tell what state a person lives in. I once had a boss who lived in New Jersey. (Paid state and local taxes in NJ. Had a NJ drivers license) But, he had a New York mailing address (both the zip cope and the "NY"). His zip code physically included a small part of NJ.
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To add an international case, some German villages like Buesingen are exclaves surrounded by Swiss territory.
They have two sets of ZIP codes and the official local currency are Swiss francs not euros.
You'll find plenty of more examples for such bi-national spots on Wikipedia, like Austrian mountain valleys which are only accessible by street from Germany, and so on...
In the end you will always need look-up tables to cover exceptions in the system.
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