AMA is NOT actually required of all clubs in all areas. It is required at most, however. It is also required at ALL clubs you will find listed on the AMA website, since they only list their chartered clubs. There are non-AMA chartered clubs out there.

Most of the ones that don't require AMA do require some kind of proof of insurance that specifically coveres model airplanes. (Some homeowners cover this stuff, some don't). So, check with your local club(s).

AMA IS required at all of the clubs near me, and I honestly think it's a generally good idea, and worth the money, especially the various youth classes.