You can create usermeta at time of insert user
like, i create zip code in my site see this code,
$user_id = wp_insert_user(
array(
'user_login' => $user_email,
'user_pass' => wp_generate_password ( 12, false ),
'first_name' => 'khushu',
'last_name' => 'soni',
'user_email' => $user_email,
'display_name' => 'khushu' . ' ' . 'soni',
'nickname' => 'khushu' . ' ' . 'soni',
'role' => 'Subscriber'
)
);
update_user_meta( $user_id, 'zip_code', '56789' );