ZIP codes are a bit more like distribution-center numbers than direct town mappings.
Some smaller towns share ZIP codes, because there are a lot more than 99999 places.
Large cities have multiple ZIP codes, because they have multiple distribution centers.
Some very large volume companies have their own ZIP code, and then the street address doesn’t even matter, since the ZIP code maps to the mailroom already at that address (they do their own sorting/distribution, so they get a distribution center code).
So having the city, state on there helps re-confirm your wishes. Although with automated sorting, the computers just read the ZIP and go with that, you can put random other place names and states with a ZIP code that doesn’t match and it still goes to the ZIP code as long as there is a valid street address “over there” too.
Some zip codes cross state lines. If you need to know what state somebody is in you can’t get it 100% of the time from state. In practice that only affects a few.
Towns will be a much bigger problem. Lots of zip codes cover more than one small town. If you have a common street name like Main St, Church St, Park St or Railroad St you’d better include the town name. If zip code 12345 covered 3 small towns they might all have a Main St.
This was in Canada, but about 10 years ago, I wanted to test this.
I wrote an apartment number and a postal code (that I was pretty sure was unique to that building) on an envelope and mailed it.
The US equivalent would be closer to an apartment number and zip+4.
The envelope was received. No name, street, or city.
I now live in the US, and my zip+4 maps to a portion of the floor in my building. I suspect my last name and zip+4 would be sufficient, but I’d be more comfortable with my apartment number and zip+4. But either way, it uniquely identifies my mailbox.
I know there’s a much more complex (and correct) answer than this, but ZIP codes aren’t 1:1 with cities. My city is a suburban one but has something like a dozen ZIP codes. They provide additional granularity and help route mail more efficiently, though leaving a ZIP code off of your mail will still result in your mail being delivered.
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