
Jerald N. answered 10/08/22
30 Years of Real-World Experience in SQL and Database Design
It's been a long while since I've done spatial querying so I can't give explicit answers. Your second approach would give you much cleaner data.
Are you sure that the intersection would be all inclusive to the parent zip? If so, you could simply use a that lat/long as a point (or even a point of the perimeter?) and see if it plots inclusively within the geometric shape of the parent zip. I have to think that would be a simpler query with a STContains.