This week's roundup of Houston innovators includes John Higgins of illumiPure, Natara Branch of HX, and Daniel Murray of Covenant Underwriters. Photos courtesy

Editor's note: In this week's roundup of Houston innovators to know, I'm introducing you to three local innovators across industries — from insurtech to entrepreneurship — recently making headlines in Houston innovation.

John Higgins, CEO of illumiPure

CleanWhite can quickly and continuously sanitize high-touch areas through its light-based technology. Photo via LinkedIn

Houston-based illumiPure recently announced that it has received a worldwide patent for its LED white light disinfectant earlier this year, known as CleanWhite. The product can quickly and continuously sanitize high-touch areas while a room remains occupied and has shown an elimination of 99 percent of surface bacteria, spores, mold, biofilms, and viruses including SARS-CoV-2 through light-based technology. It's intended to be used in areas like kitchens, restrooms, and locker rooms and is safe for humans and pets.

CleanWhite uses spikes of light wavelengths at 405 and 470 nanometers to kill surface pathogens. Unlike other products on the market, CleanWhite can emit these levels without also emitting a visible purple-violet light while also suppressing blue light wavelengths.

"CleanWhite features technology that makes it the first of its kind, achieving a sought-after solution to produce 405+470 nm blue light as white light," John Higgins, CEO of illumiPure, says in a statement. "As a result of this revolutionary finding, we anticipate the patent’s success across a myriad of industries, including education, healthcare, hospitality, and retail.” Click here to read more.

Natara Branch, CEO of Houston Exponential

Meet Natara Branch — the new CEO of HX. Photo courtesy of Natara Branch

Ever since she accepted the new position as CEO of Houston Exponential, Natara Branch has been on a listening tour of Houston's innovation ecosystem. Branch explains on the Houston Innovators Podcast that she has a passion for the city of Houston, and she's got open ears to anyone in the ecosystem who wants to contribute to the advancement of the city's tech ecosystem.

As she explains, she is getting her fair share of feedback — but she has an ask for anyone who she's met.

"I am challenging people. You're not just going to give me feedback and sit back and watch. You're going to participate," Branch says. "I have not met one person who doesn't want Houston to win — they wouldn't be here if they didn't." Click here to read more and listen to the podcast.

Daniel Murray, co-founder and chief underwriter of Covenant Underwriters

The emerging insurtech industry has a plethora of opportunities for job seekers and more. Photo courtesy

More than 100,000 Houstonians work in insurance, according to Daniel Murray, co-founder and chief underwriter of Covenant Underwriters, a Houston-based insurtech start-up, building e-commerce insurance products for underserved niches. But the 400-year-old industry is hungry for tech talent.

In a guest column for InnovationMap, Murray explains the need for tech and innovation within insurance — and the opportunity the industry has.

"The adage goes that everyone in the insurance industry was either born into it or tricked into it," he writes. "This may have applied to the last generation, but today’s insurance industry offers vast opportunities (including remote) for every discipline, especially for tech job seekers." Click here to read more.

The emerging insurtech industry has a plethora of opportunities for job seekers and more. Photo via Getty Images

Houston expert: The insurance biz is ripe for innovation — here's how to tap into it

guest column

The insurance industry is hungry for tech talent. This 400-year-old industry lays claim to many innovations from financial engineering to weather modeling and was among the first to widely adopt mainframe computing. However, while many sectors took up digital processes in the Internet Age, the $1.4 trillion insurance industry lost out on a generation of innovators to retail, social media, entertainment, and other financial services. Only recently have investors become wise to the massive opportunity of modernizing insurance.

More than 100,000 Houstonians work in insurance, mostly in sales and servicing of policies or claims. Many insurance agencies now employ IT professionals and graphic designers to support online experiences for customers and employees. Larger insurance companies are hiring data analysts, software developers, and cloud engineers to improve risk selection, mitigate losses, and drive efficiency. Such efforts to leverage technology in each function in the insurance value chain are broadly described by the term insurtech (or insuretech; it’s so novel that consensus has not been reached on its spelling).

The largest gathering of insurtech investors, entrepreneurs, and industry incumbents occurs at the InsureTech Connect conference. Last month saw nearly 10,000 insurtech leaders and hopefuls descend on Las Vegas for the 6th annual convention. Sound business models and partnerships with incumbents replaced the easy money and talk of disruption from prior years. Many speakers and panels highlighted the following opportunities for aspiring insurtech professionals:

​Embedded Insurance

Insurance has long been sold alongside other products, and omnipresent API ecosystems make the transaction that much more seamless. For a small premium, some insurtechs use embedded products that take the risk out of large purchases like event tickets, rentals, gadgets, and vacations. These companies need savvy designers and creative marketing pros to integrate their products with the right partners.

​Parametric Insurance

The fundamental principle of insurance is to make the policyholder whole after a loss, but agreeing on the amount of loss can take years and legal battles. Parametric insurance policies pay losses automatically based on pre-specified trigger events, such as a threshold based on wind speed or hail size. Cutting-edge products provide stability by tying coverage to indexes like oil price or crop yields and require experts in the underlying index to set the correct parameters.

​Internet of Things

Theoretically, more information will lead to more accurate prediction of insured loss. Cell phone geolocation, smart homes, and sensors on everything gives insurance companies a mountain of data. Translating all of this into actionable insights will require armies of data scientists. Machine learning algorithms, paired with good data, promise to uncover new ways to anticipate and avoid losses.

​Insurance Gigs

Many jobs in the burgeoning gig economy are related to insurance. For all the big data available, insurance companies still need ‘boots on the ground’ when inspecting a new policyholder’s property, assessing damage to a house or car, installing sensors, or responding to catastrophe. They especially need contract workers with drone licenses for inspecting roofs.

Insurtech is not disrupting insurance companies but transforming them to meet modern customer needs They can no longer succeed with just snappy TV ads and countless storefronts. Insurance quotes and claim payments need to be fast and fair. In an industry this large, a great idea that captures 1 percent of market share or improves efficiency by 1 percent can be lucrative. Today’s rate environment has cooled off insurtech valuations but not before 25 US and UK insurtech start-ups rose to billion-dollar unicorn status in the past decade.

The adage goes that everyone in the insurance industry was either born into it or tricked into it. This may have applied to the last generation, but today’s insurance industry offers vast opportunities (including remote) for every discipline, especially for tech job seekers.

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Daniel Murray is co-founder and chief underwriter of Covenant Underwriters, a Houston-based insurtech start-up, building e-commerce insurance products for underserved niches.

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NASA revamps Artemis moon landing program by modeling it after Apollo

To the moon

NASA is revamping its Artemis moon exploration program to make it more like the fast-paced Apollo program half a century ago, adding an extra practice flight before attempting a high-risk lunar landing with a crew in two years.

The overhaul in the flight lineup came just days after NASA’s new moon rocket returned to its hangar for more repairs, and a safety panel warned the space agency to scale back its overly ambitious goals for humanity’s first lunar landing since 1972.

Artemis II, a lunar fly-around by four astronauts, is off until at least April because of rocket problems.

The follow-up mission, Artemis III, had been targeting a landing near the moon’s south pole by another pair of astronauts in about three years. But with long gaps between flights and concern growing over the readiness of a lunar lander and moonwalking suits, NASA’s new administrator Jared Isaacman announced that mission would instead focus on launching a lunar lander into orbit around Earth in 2027 for docking practice by astronauts flying in an Orion capsule.

The new plan calls for a moon landing — potentially even two moon landings — by astronauts in 2028.

“Everybody agrees. This is the only way forward,” Isaacman said.

The hydrogen fuel leaks and helium flow problems that struck the Space Launch System rocket on the pad at NASA's Kennedy Space Center in February also plagued the first Artemis test flight without a crew in 2022.

Another three-year gap was looming between Artemis II and the moon landing by astronauts as originally envisioned, Isaacman said.

Isaacman stressed that “it should be incredibly obvious” that three years between flights is unacceptable. He'd like to get it down to one year or even less.

Isaacman, a tech billionaire who bought his own trips to orbit and performed the world’s first private spacewalk, took the helm at NASA in December.

During NASA’s storied Apollo program, he said, astronauts’ first flight to the moon was followed by two more missions before Neil Armstrong and Buzz Aldrin landed on the moon. What's more, he added, the Apollo moonshots followed one another in quick succession, just as the earlier Projects Mercury and Gemini had rapid flight rates, sometimes coming just a few months apart.

Twenty-four Apollo astronauts flew to the moon from 1968 through 1972, with 12 of them landing.

“No one at NASA forgot their history books. They knew how to do this," Isaacman said. “Now we're putting it in action.”

To pick up the pace and reduce risk, NASA will standardize its Space Launch System rockets moving forward, Isaacman said. These are the massive rockets that will launch astronauts to the moon aboard Orion capsules. At the same time, Elon Musk's SpaceX and Jeff Bezos' Blue Origin are speeding up their work on the landers needed to get the astronauts from lunar orbit down to the surface.

Isaacman said next year will see an Orion crew rendezvousing in orbit around Earth with SpaceX's Starship, Blue Origin's Blue Moon or both landers. It's similar to the methodical approach that worked so well during Apollo in the late 1960s, he noted. Apollo 8, astronauts' first flight to the moon, was followed by two more missions before Armstrong and Aldrin aimed for the lunar surface.

“We should be getting back to basics and doing what we know works,” he said.

The Aerospace Safety Advisory Panel recommended that NASA revise its objectives for Artemis III “given the demanding mission goals.” It’s urgent the space agency do that, the panel said, if the United States hopes to safely return astronauts to the moon. Isaacman said the revised Artemis flight plan addresses the panel's concerns and is supported by industry and the Trump administration.

Booming Houston suburb launches innovation grant to attract startups

innovation incentive

Think you’ve got a burgeoning startup? Consider moving it to southwest Houston. The City of Sugar Land announced the Sugar Land Starts Innovation Fund last week to support companies that move jobs to the area.

“The Sugar Land Starts Innovation Fund is designed to support companies that are ready to grow and make a meaningful, long-term commitment to our community,” Colby Millenbruch, business recruitment manager for the City of Sugar Land, said in a news release. “By focusing on revenue-generating startups and performance-based incentives, we are creating a clear pathway for innovative companies to scale while reenergizing existing office space.”

The performance-based, non-equity dilutive grant program is open to companies that demonstrate at least $250,000 in generated revenue or $500,000 in institutional backing from a bank or venture capital firm. They must commit to hiring or relocating at least three employees in Sugar Land for a minimum of three years and at an average salary of $61,240. Compliance will be verified through Texas Workforce Commission reporting.

The fund builds off the Sugar Land Plug and Play partnership to turn the city into an innovative technology hub.

Collaboration with the Silicon Valley-based startup incubator and accelerator on a physical location in southwest Houston has supported 22 startups and has raised $6.5 million in capital since it officially launched in Sugar Land last March. Companies located at the Sugar Land Plug and Play include Synaps, a browser-based design platform for architects, and Intero Biosystems, which produces miniature human organs for preclinical drug development.

In addition to direct funding and business space, both the new grant and the overall Plug and Play project facilitate meetings with Houston-area businesses like CenterPoint Energy.

This should not only bring new industries to Sugar Land, but also allow existing companies to expand outward as technological investors to create a web of new progress.

“This investment is about more than technology. It’s about creating an environment where innovation can take root, grow, and deliver lasting value for the Sugar Land community,” David Steele, director of Texas at Plug and Play, added in the release. “Sugar Land is setting itself apart by taking a long-term view, investing in founders, partnerships, and technologies that will define the next chapter of growth. We’re proud to partner with the city in building an innovation ecosystem that benefits both entrepreneurs and the broader community.”

Income study shows $100,000 salary goes further in Houston in 2026

Money Talk

A 2026 income study has good news for big earners in Houston: A six-figure salary goes further than it did last year.

A Houston resident's $100,000 salary is worth $84,840 after taxes and adjusted for the local cost of living, according to the new financial analysis from SmartAsset. That's about $1,500 more than Houstonians were bringing home last year.

The 2026 take-home pay is about 8 percent higher than it was in 2024, when the same salary had an adjusted value of $78,089.

SmartAsset used its paycheck calculator to apply federal, state and local taxes to an annual salary of $100,000 in 69 of the largest American cities. The figure was then adjusted for the local cost of living (which included average costs for housing, groceries, utilities, transportation, and miscellaneous goods and services). Cities were then ranked based on where a six-figure salary is worth the least after applicable taxes and cost of living adjustments.

Houston ranked No. 60 in the overall ranking of U.S. cities where $100,000 is worth the least. If the rankings were flipped and the cities were ranked based on where $100,000 goes the furthest, that places Houston in the No. 10 spot nationwide.

Manhattan, New York remains the No. 1 city where a six-figure salary is worth the least. A Manhattan resident's take-home pay is only worth $29,420 after taxes and adjusted for the cost of living, which is 3.10 percent lower than it was in 2025.

SmartAsset determined Manhattan has a 29.7 percent effective tax rate on six-figure salaries. Meanwhile, the effective tax rate on a $100,000 salary in Texas (based on the eight cities examined in the report) is 21.1 percent. It's worth highlighting that New York implements a statewide graduated-rate income tax from 4-10.90 percent, whereas Texas is one of only eight states that don't tax residents' income.

Oklahoma City, No. 69, is the U.S. city in the report where a $100,000 salary stretches the furthest. A six-figure salary is worth $91,868 in 2026, up from $89,989 last year.

This is the post-tax value of a $100,000 salary in other Texas cities, and their ranking in the report:

  • Plano (No. 27): $72,653
  • Dallas (No. 47): $80,103
  • Austin (No. 53): $82,446
  • Lubbock (No. 59): $84,567
  • San Antonio (No. 62): $86,419
  • El Paso (No. 67): $90,276
  • Corpus Christi (No. 68): $91,110
According to the report, getting some "financial breathing room" by making six-figures really depends on where someone lives and what their lifestyle is. For residents living in the 42 states that levy some amount of income tax, their take-home pay dwindles further."And depending on how taxes are filed, reaching a $100,000 income may push a household from the 22 percent to 24 percent marginal tax bracket," the report's author wrote. "Meanwhile, locations with high costs across housing and everyday essentials may be less forgiving to a $100,000 income."

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This article originally appeared on CultureMap.com.