Preheat oven to 400°. Place paper muffin cups into two 12-cup muffin tins.
Place oats into a food processor. Pulse until they resemble a coarse flour.
In a large mixing bowl, combine ground oats with flour, baking powder, curry powder, baking soda, and salt; set aside.
Add zucchini & carrots and next 4 ingredients to a small mixing bowl. Stir until combined.
Make a well in the center of the dry ingredients, and stir in zucchini/carrot mixture until just combined. Gently stir in coconut and raisins. Evenly divide batter among muffin cups.
Sprinkle shredded coconut over muffins if desired. Bake 12-15 minutes or until golden brown. Let cool in tins on a wire rack.
Notes
For a sweeter version, use 1 cup of sugar in place of the agave nectar and add to the dry ingredients. Substitute sweetened coconut for unsweetened, if desired.