Many of these do not require an AMA membership to fly. In spite of that, AMA clubs continue to exist at many those sites. There must be some modelers that perceive value in the AMA other than insurance, or they simply would not belong to those clubs
I tend to disagree. I think they are worried about the insurance/accident applications and this is the reason that they joined the ama when not required to. I'm not saying the only value is the insurance but the primary reason is the insurance. By the way, there are no clubs around that I've been to on the east coast like this (that don't require ama insurance to fly there).
Jon