Is there really no ZIP code that is non-contiguous? I think it might depend on the visualization provided by services, but it looks like on Google Maps, searching for "92014" seems to generate borders around two areas that look like there is no contact between them.
Zip codes are trees, each digit narrows down the area. The final area can be non-contiguous, but 92014 is entirely contained within 9201, that's within 920, etc. up to 9, which is the US west coast area.
ZIP codes are the route a mail truck takes to deliver mail. That mail truck begins and ends it's route at a specific Post Office. The +4 portion of the ZIP code denotes where along the route something is such that mail can be sorted in the order it will be encountered along the route.
So a ZIP code is an area. A ZIP code is often used incorrectly to apply other demographic information such as race or income, those are generalizations and not necessarily 100% accurate.